What to Know About Your Homeowners Insurance Coverage if You Plan to Get a Pool 

A backyard pool can provide enjoyment to your family and friends, but it also brings new responsibilities, especially when it comes to your homeowners insurance.

At Plemons Insurance Agency, we want to help you understand how installing a pool may affect your coverage and what you can do to reduce your risk.

How a Pool Can Affect Your Coverage

One of the biggest changes with a pool is increased liability risk. Standard homeowners policies include personal liability protection with dollar limits. Pools are considered an attractive nuisance, meaning they can increase the risk of third-party accidents on your property. As a result, your agent may recommend increasing your liability coverage limits or adding medical payments or umbrella coverage to help manage third-party claim-related costs.

Pool Safety and Insurance Requirements

Georgia does not have a statewide law requiring homeowners to carry extra insurance for pools, but some insurers may have their own requirements. You may be asked to install safety features such as:

• Fencing with self-latching gates
• Pool covers or alarms
• Locked access points

Meeting these requirements can help reduce your liability risk and may be necessary to maintain your coverage.

What Should You Do Next?

Contact our team before installing a pool. We’ll review your current policy, discuss your options for appropriate liability insurance and help you understand any changes in coverage or safety requirements. Reach out today to discuss your options or request a quote.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.