Insurance for Pools in Florida
Did you know that there are 10.4 million residential swimming pools in the United States? That is a lot of pools! If you live in beautiful, sunny, yet often muggy Florida it is highly likely you are one of these 10.4 million people.
There are approximately 1.1 million residential swimming pools in Florida. If you have a pool or are installing a pool it is important to understand the pool insurance requirements.
Keep reading to learn more about pool insurance requirements in Florida.
Whether you have an inground swimming pool or above ground swimming pool these structures get covered under your homeowner’s policy. However, the part of your insurance that covers the pool will vary depending on the insurance company.
Some companies may cover an inground swimming pool under the other structures part of your insurance, while above ground swimming pools may get covered under the personal property portion.
It is important to talk to your insurance company to ensure your pool is getting the right coverage.
Another factor you need to consider when it comes to your pool is liability insurance. Liability insurance will cover bodily injury or harm. It may be a good idea to increase your liability insurance to cover any possible pool accidents.
Having a pool can increase your insurance premiums.
What Is and Is Not Covered
When looking at what gets covered you should know that damage from normal wear and tear or poor maintenance is not covered. These repairs will have to get paid out of pocket.
If your pool gets injured in a windstorm, fire, or a tree falls on it, the repairs would get covered by insurance. The difference here is foreseeable versus unforeseeable circumstances.
When you add on pool insurance be sure to talk to your insurance agent about what exactly is covered and what is not.
Many pool insurances will require you to install certain safety features. Unfortunately, around 74 percent of pool fatalities occur in residential swimming pools. This means that your insurance wants to be sure that your pool is going to be safe.
Install a Fence
Many insurance companies will require you to have a fence that is locked and at least 4 feet high around your pool. This is to deter individuals who may decide they want to take a midnight swim in your pool. In addition, if you have children in the home this is a good idea as well.
This fence can be your backyard fence. However, once again if you have children in the home consider additional features for pool safety.
Diving Boards and Slides
Diving boards and Slides may not be covered. However, once again this is dependent on the insurance company.
At the very least you can expect your diving board and slide to be required to be in good repair and meet safety standards. For example, your diving board will need to have a surface that is non-skid.
Your diving board will also have to meet the manufacturer’s requirements for depth, height from water, and upslope.
Pool Insurance Requirements in Florida
Now that you know all about pool insurance requirements in Florida are you ready to go for a swim? Make sure your pool is properly covered first!
We’re passionate about protecting clients and their families. Contact us today to talk to a licensed insurance professional about insuring your pool.