Pool ownership can be expensive enough without the added financial burden of costly repairs. For instance, what if a big branch falls in your swimming pool and damages your tile or pool lining? Worse yet, what if a large piece of debris damages your pool pump?
The cost of those “what-ifs” can disappear with adequate insurance coverage. However, exactly what homeowner’s insurance covers with regard to swimming pools can differ. Most homeowners’ policies will cover the cost of repairs due falling object damage; but they typically won’t include things like damage due to freezing water. So, it is important to carefully review your policy to be certain you know what swimming pool damage is actually covered by your insurance.
It is also important to maintain the appropriate amount of liability insurance coverage in the unfortunate case of any swimming pool injuries, such as slipping and falling off a ladder, steps or on the cement pad surrounding your pool. Medical costs and legal compensation for an injured party can be extremely expensive, but an umbrella insurance policy – which kicks in to cover any gaps in your homeowners’ insurance coverage – can help provide the supplemental swimming pool liability insurance you may need.
Of course, proper maintenance helps prevent damage and keep swimming pools running safely and optimally. If you would like professional assistance with your swimming pool maintenance, SE Pool Supply & Chemical – New Smyrna Beach’s trusted source for pool cleaning and maintenance – is at your service!