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Swimming Pools Bring High Risk

This is the time of year when pools sound like the best idea ever if you live in one of the 40 states that are sweltering. There is literally nothing like a cool dip in the pool when the temperatures flirt with triple digits and the humidity chases the temperature almost as high.


However, swimming pools bring high risk and are notoriously expensive to insure, and in some cases, hard to find coverage for at all. WiseInsuranceQuotes decided to find out the truth…and try to earn an invitation to your next Cabana Party. Here are the answers and as it turns out it all depends…

1.) …On What Part of the Country You Call Home: If you are reading this from one of the northern tier states. Let’s say Connecticut to Kansas to where California becomes Oregon. Then yes, swimming pools are going to be expensive to insure. Places where pools are more common (think Florida, Texas, Arizona, Nevada, Southern California) are often also places where insuring a pool isn’t that big of a deal.

Slash Your Home Insurance Premiums. Search for Lower Rates 2.) …On Whether Your Pool is Above Ground or In-Ground: All pools are classified in the insurance world as “an attractive nuisance.” But an in-ground pool, with all of that shiny visible water, goes beyond attractive to downright inviting.
Insurance companies will take that into account when establishing the premium for the liability portion of the policy.

3.) …On Whether You Are Just a Swimmer or a Diver as Well: In all likelihood you cut through the water like Michael Phelps with a jet pack. If you are a diver, though, your pool insurance is going to be significantly more expensive. Way too many injuries occur when someone wants to try a half gainer with a pike into the pool and end up hitting their fool head on the diving board itself.

4.) …On How Educated You Are: According to Allstate, “A child can drown in less time than it takes to answer the phone. That’s why it is imperative that you familiarize yourself with CPR and basic rescue procedures and always keep a phone near the swimming pool.” Besides being simply the right thing to do, these precautions, and the certification that goes with them, will help you to find lower insurance premiums with several of the major homeowners insurance carriers.

5.) …On These Extra precautions:

a.) Invest in a sturdy pool cover for times when the swimming pool isn’t in use. Power safety covers that have been approved by the American Society for Testing and Materials are convenient, widely available, and easy to operate.

b.) Install a self-latching fence around swimming pools. Be sure to choose fencing materials that aren’t easy to climb. The United States Consumer Product Safety Commission recommends at least a 4-foot high barrier with fence slats less than 4 inches apart. The width of the fence slats is important to keep children from squeezing through.

c.) If a door in your house leads to the swimming pool, consider installing a door alarm to alert you if someone—especially a child—is entering the pool area.

Everyone loves a dip in the pool on a scorching summer day. With just a few precautions, you can have one at your house without a shocking experience when you open your homeowners renewal to see the premium.

Could you pass the suntan lotion please?