How Much Does A Pool Add To Home Insurance?

  1. 910 POINTS
    Ken Boncela
    Ageny Owner, Farmers Insurance, Ken Boncela Insurance & Financial Services, Oswego, lllinois
    The primary concern of adding a pool is the liability exposure.  If someone not in your household is hurt using the pool, you may be held responsible and/or sued.  If a judgement is brought against you, it could mean 100's of thousands in settlements.  If you live in a typical neighborhood AND your yard/pool is fenced and secured, most insurance companies will charge little or no additional dollars for the exposure of the pool.  If the yard/pool is not fenced, most companies will either require a signed exclusion of coverage for injury arising out of the use of the pool or deny you coverage altogether.  There are exceptions to the fencing requirement if the home is in a rural area with no close neighbors.
    Answered on June 4, 2013
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