Questions to Ask When Insuring a Pool, Hot Tub, or Spa

Your home’s outdoor space may need more coverage because backyard items can have greater liability risks. It’d be wise to make sure your home is fully covered.

You should call your insurance company to discuss coverage options if you have any of the items on this list or are thinking of adding them to your home:

  • Swimming pool
  • Hot tub
  • Outdoor spas
  • Trampolines
  • Fire pits
  • Treehouses
  • Outdoor playgrounds
  • Any other item that increases the risk of injury on your property

It is important to find out if your home coverage will still be valid once you’ve added these items. If in doubt, contact your insurance company, and they can help you make sure you have enough coverage.


7 Questions to Ask When Insuring a Pool, Hot Tub, or Spa

Home insurance can be complicated. To better understand the exclusions and limitations of your coverage, you should ask the following questions:

  1. What kind of coverage is included in the policy and should you add an endorsement for physical damage to the pool, spa, or hot tub?
  2. Can you increase your liability limit on your homeowner’s policy?
  3. Is it okay to have a diving board or slide?
  4. Is the coverage on the pool, hot tub, or spa open perils or named perils? Are there other exclusions?
  5. What kind of fence do is needed and are there any specific criteria to height or distance between fence posts? Does the fence need to be self-closing or have self-latching gates?
  6. Does the pool, spa, or hot tub need to be covered or locked when not in use?
  7. Are there special requirements for suction drain covers in pools or spas to prevent suction entrapment?


 If you are shopping for insurance let help you today!


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