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  • Swimming Pools and Your Fairview Heights, IL Home Insurance

    September 21, 2021 | Blog Insurance
  • Wanting to join the fun this summer by getting your Fairview Heights, IL home a new swimming pool? Sounds like a plan! Just keep in mind that what you need from your home insurance provider is going to change if you make that choice. You will want to increase your liability if you get one since a pool can create a liability that you will have to pay for.

    If you are considering adding a pool to your home, here are some key things that you should know.

    swimming pool

    Does Your Home Insurance Cover Pool Related Accidents?

    The answer to this question is yes! The standard protection you get with your home insurance will cover any pool accidents. This means that if a guest gets hurt while using your new pool or something much worse happens, your home insurance will pay for their medical costs and legal protection. With that being said, if you do have a pool or are wanting to add one, we highly encourage you to increase your liability protection if you haven’t done so already.

    Are There Any Swimming Pool Related Accidents that Are not Covered by your Home Insurance?

    Luckily, insurance companies don’t limit liability protection to specific types of accidents, if something were to happen while someone is using your pool, the injuries that they have are typically covered by your homeowner’s insurance. Since you can never truly predict if or when someone will hurt themselves, we advise you to purchase as much liability protection as you can comfortably afford to make sure you are as safe as possible.

    Safety Tips To Prevent Swimming Pool Accidents:

    • Have a gate around your pool
    • Be able to lock your gate
    • Don’t allow diving into shallow areas
    • Get CPR training
    • Supervise any children in or around the pool
    • Never get into a pool by yourself
    • Don’t use that pool during a thunderstorm.
    • Never Drink and Swim
    swimming pool

    With this information, remember that

    You should purchase as much liability as you can comfortably afford. No matter what type you have and you will need to make sure that you take the appropriate steps to ensure that no one will get hurt in or even around your swimming pool. We are excited for you and this next big step! Just make sure to always be safe but it’s also important to enjoy it! If you are in need of insurance advice or have any questions, contact us today! Our team at Klein, Merwin, Karrer, & Associates are here to help you with all your insurance needs!