What type of coverage do you need?

Even though summer is half way over, you might still be thinking about putting a swimming pool in at your house. Whether you’re thinking about putting in an in-ground pool, an above-ground pool, or just an inflatable kiddie pool, it’s important to consider the insurance and safety implications. Pools are great for those hot summer days, exercise and provide tons of family fun, but they can also be a hazard.

It’s always a good idea to educate yourself and your family about water safety. You should also make sure that your pool is properly insured and that it complies with local safety standards. Some steps you should follow when buying a pool or spa are:

1. Contact your town or municipality each town has its own definition of what a pool is, based on its size and the depth of the water. If your pool meets these standards, you must comply with local safety standards and building codes.

2. Call your insurance agent or company representative owning a pool will increase your liability risk. You might want to talk to your agent about purchasing an umbrella liability policy over and above what you have on your home. Insurance protection is crucial in case it is destroyed by a storm or other disaster.

3. Ask pool users if they know how to swim- learners should be accompanied by a good swimmer.

4. Never leave small children unsupervised even if it’s only for a few seconds.

5. Limit alcohol use around the pool- drinking negatively impacts balance, coordination and judgement.

6. Keep a first aid kit close to the pool area- in case of an accident.

For more information on this topic or to discuss your insurance needs, please contact us at 888.304.6678 or visit our virtual office.

Information found at: www.iii.org

Posted 12:00 PM

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