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What You Need to Know about Insuring Your Florida Swimming Pool

What You Need to Know about Insuring Your Florida Swimming Pool

What You Need to Know about Insuring Your Florida Swimming Pool

Are you the proud owner of a beautiful, sprawling swimming pool in your Florida backyard?  Pools are a large investment that can enhance your lifestyle, but they can also be expensive to repair if they are damaged.  Sometimes, pool damage can happen on accident, if a storm rolls through your area or if a tree falls into the pool.  These can create hefty repair bills.  In order to protect your investment, you should make sure that your pool is covered by insurance.  As a public claims adjuster in central Florida, we deal with many types of property damage, both inside and outside the home.  There are a few things you need to know about how to properly insure your swimming pool.

Pool Coverage is an Extension of Your Homeowners' Policy

Homeowners' insurance will typically cover damages done to your pool if it is damaged by one of the risks outlined in your policy.  This typically covers water damages or storm damages.  Accidents happen, and that is what your insurance policy is for.  For example, if a tree falls on your pool, you will likely be able to file a claim with your insurance to get compensation for repairs.

Take a Close Look at the Policy

The coverage that applies to your pool depends on what type of pool you own and how extensive your outdoor space is.   If you have an above ground swimming pool, you may need to add an addendum to your policy to include other structures.  Portable pools may be under the personal property coverage.  Be sure to talk to the experts about what you need to do to properly cover your pool under your insurance.

Get Liability Insurance, Too

Homeowners that choose to have a pool in their backyard should also consider liability insurance as well.  This type of insurance will protect them if anyone is injured in or around their swimming pool.  Pools can increase your liability risk, so you may want to consider protecting yourself from this standpoint as well.

Your Insurance Will Not Cover Foreseeable Damages

If you neglect pool care or you have a crack in the pool that could have been avoided, you will need to contact a company to help you with this, as these are damages that will not be covered by your insurance.  In order to understand exactly what is covered, talk to your agent to find out how to best stay protected from any issues that could arise with your pool.

These are just a few facts that will help you insure and protect your swimming pool investment.  When you own expensive additions to your property, you always want to be sure that it is protected against unforeseeable accidents that can cause damage.  If your pool is damaged, you may want to contact a public claims adjuster in central Florida to assess damages and report to your insurance company for compensation.  Contact us to hear about how we can help you today.