Pool Insurance Requirements 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. 

Pool Insurance

Pools are covered in your homeowner’s insurance policy. However, the part of your insurance that covers the pool will vary depending on the insurance company you choose. 

Some insurance companies may cover an in-ground swimming pool under the “other structures” part of your home 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.

Parents and children laughing while playing ball in swimming pool

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. 

What Is and Isn’t Covered

Insurance will not cover damage caused by normal wear and tear, or poor pool maintenance. You will have to pay out of pocket for those repairs. It will cover damage caused by a natural disaster though, like a windstorm, fire, or fallen tree. The difference here is foreseeable versus unforeseeable circumstances. 

Safety Requirements

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

Most insurance companies will require you to install a lockable fence. It should be at least 4 feet high around the 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 strict safety requirements. For example, your diving board will need to have a surface that is non-skid and your diving board will have to meet the manufacturer’s requirements for depth, height from water, and upslope. 

That’s a wrap!

Now that you know all about pool insurance requirements in Florida, are you ready to go for a swim? Make sure you’re properly insured before diving in.

We’re passionate about protecting clients and their families. Contact us today to talk to a licensed insurance professional about insuring your pool.

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Leave the insurance to us.

Resources

All health insurance sold is processed through the licensed entity of Baldwin Risk Partners.

Guided Solutions is not affiliated with or endorsed by Medicare or any government agency. Guided Solutions does not discriminate based on race, color, national origin, age, disability, or sex.