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Protect Your Pool With Homeowners Insurance

July 30, 2011

preventing accidents in swimming pools and hot tubsHaving a pool during the summer is amazing. Not having one is terrible. Having to listen to your neighbors splash around while you roast in the heat is cruel and unusual. If you’re the lucky neighbor with a pool, you may be the envy of the neighborhood (especially among the younger constituents.) For those with laid-back personalities, a kid sneaking into the pool every now and again may not seem like a big deal. However, according to a recent post on the

Equifax Personal Finance Blog, you may be the one facing the consequences for someone else using your pool.

Insurance expert Linda Rey classifies your potential aquatic infiltrators as “attractive nuisances.” These nuisances may quickly turn into nightmares if an accident occurs regardless of whether an invitation was extended. Even though the neighborhood children may want to join the fun in pools and hot tubs, you have to understand the risks involved.

In her post, “

Pools and Hot Tubs: What Kind of Homeowners Insurance Do You Need?,” Rey writes that homeowners insurance does cover accidents that may occur in pools and hot tubs, but your policy will only pay to up to a set limit. An umbrella liability policy will give you extra coverage in case the worst happens. You may grumble about increased insurance rates, but Rey points out that your costs will be higher regardless just because you own a pool or a hot tub. Another thing to consider: Homeowners insurance policies generally cover accidents in pools and hot tubs, but most do not cover damages to the items themselves.

To learn more about how to protect yourself, visit the

Equifax Personal Finance Blog.

Is your pool considered the neighborhood gathering spot? Are you protected with the proper insurance policy?

About The Author

Read All Stories By Mitch Levinson

Mitch Levinson is the author of “Internet Marketing: The Key to Increased New Home Sales” published by BuilderBooks. He is an Internet marketing expert with expertise in search engine optimization, website development, email marketing, social media and CRM consulting services. He is known for creating effective programs that can be tracked through analytics to prove effectiveness and ROI. Mitch is founder and president of MLC New Home Marketing and MLC FlatFee Realty, as well as managing partner of mRELEVANCE, LLC, a Marketing, Communication, Interactive agency with offices in Chicago and Atlanta. He currently leads the Chicago team. A Multi-Million Dollar Sales Producer who earned an MBA in Computer Information Systems and eCommerce, he brings a unique perspective and experience to the field of real estate communications. Mitch combines the two interests in order to help home builders and developers gain a competitive advantage through the Internet and technology. When he isn’t behind a computer, he enjoys participating in sports and coaching his kids’ teams. Mitch resides in Arlington Heights, Ill., a northwest suburb of Chicago, with his family, which includes two rambunctious labs. Visit my Google+ profile.

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