Insurance was created to financially protect us in the case of unfortunate incidents; and like any other form of insurance, swimming pool insurance can provide peace of mind for us and those we love.

Ok, so here’s how it works. Your homeowners’ insurance policy comes with liability protection for swimming pool accidents, helping to cover medical costs or legal fees if anyone is injured or dies in your swimming pool.

Here’s where it gets a little iffy. The rest of what homeowner’s insurance covers with regard to swimming pools can be questionable. Each homeowners’ insurance policy can differ, most usually covering the cost of repairs due to damage to your pool caused by things like fire and falling objects; but they typically won’t include damage from water freezing or portable above ground pools, which are typically covered by personal property insurance. 

Swimming pool owners should check with their insurance broker to be sure about what is covered by insurance when it comes to their swimming pool. Additionally, umbrella insurance can provide a (sometimes much needed) added layer of protection for swimming pool owners – supplementing homeowners’ insurance policies where they can fall short.

If you are a swimming pool owner, whatever you think might work best in your particular instance, it behooves you to do your research so you know just where you stand…or swim!