Having a pool in your own backyard offers a lot of exciting opportunities to have fun with the kids, create an outdoor oasis, and stay cool during the warmer months. But there are also extended liability risks that come with pool ownership.
From pool-related injuries or death to the need for repairs due to weather or accidents, there are a number of risks that you should ensure are covered by your homeowners insurance policy. At Doeren Mayhew Insurance Group, we offer our clients protection in the event someone gets hurt or damage occurs. We have the time-tested experience to guide homeowners in securing or increasing coverage without overpaying.
At the end of the day, the peace of mind that comes with protecting your financial stability in the event of an accident or injury around the pool goes a long way. But it’s also important to take these proactive steps to minimize your risk and provide everyone with a pleasant swimming experience.
Secure Pool Area
Adding a pool safety fence that offers at least four feet of protection can help prevent both intruders and small children or pets from entering the swimming area. Investing in an automatic safety pool cover can also provide security while you’re on vacation or when the pool is otherwise unattended. Pool covers also offer additional benefits, such as improved pool cleanliness, slowed water evaporation, and accidental fall prevention. For added peace of mind, you can also add a security system to your pool area for an enhanced level of visibility and safety.
Establish Pool Safety Rules
The American Red Cross recommends keeping bottles and other glass items away from pools, discouraging running or pushing, limiting alcohol consumption by pool supervisors, and staying away from drains and other pool filter components. Additionally, they reinforce the need to always swim with a buddy to maintain a safe swimming experience.
Assemble a Pool Safety Kit
Find a waterproof case and pull together a few essential items for your home’s pool safety kit. Some of these items include non-latex gloves, insect sting-relief pads, bandages, adhesive tape, antibacterial soap (or hand sanitizer), instant ice packs, and tweezers. You should also have rescue equipment on hand, such as a flotation device, lifehook, ring buoy, and an automated external defibrillator (AED).
Maintain a Clean, Safe Pool
Maintaining the efficiency of the pool filter system will help to regularly remove debris and contaminants. Home remedies, including baking soda, purifying plants, and saltwater can also help to keep your pool water clean. Be sure the interior of your pool is made of a thick, durable material, such as plaster, glass, or vinyl — or consider replacing it.
While a pool can be the setting for exciting parties, family fun, and a relaxing place to unwind, it also presents increased risks for injuries, accidents, and property damage. That’s why it’s important to work with an experienced advisor to secure the right insurance coverage that will protect your long-term financial health. For more information on how to minimize your risk as a homeowner, contact one of our trusted agents or request a quote today.