How do I insure a home with a swimming pool?
By Bob Millaway, South Jersey Community Expert & REALTOR®
A swimming pool increases your liability risk significantly. Notify your insurance company about the pool so they can adjust your liability coverage accordingly. Most insurers recommend increasing your liability limit to $500,000 or more. A fence with a self-latching gate, pool cover, and safety equipment can help lower your premium. Some insurers require specific safety features before covering a pool. An umbrella policy is strongly recommended to provide additional liability protection beyond your standard limits.
Why It Matters
Pools are considered attractive nuisances in insurance terms. A single accident involving a guest or neighbor's child could lead to a lawsuit far exceeding standard policy limits.
Related Questions
Explore South Jersey with Bob
Living here is about more than the house. Bob's community guides help you find the right town, compare neighborhoods, and keep up with what's happening across Burlington County and South Jersey.
Still Need Help?
Bob answers every question personally. Send your question directly to him.
Ask Bob Directly