Your beautiful pool helps you relax all summer long. Perhaps you built a fantastic deck around it, ideal for relaxing in the sun. Is that deck covered by your home insurance policy? There are many factors that can contribute to your coverage here. And, limitations generally apply. Here is some clarity to help get you started in insuring these risks.
Does Insurance Cover Your Pool and Deck?
Most home insurance can cover some risks associated with a permanent pool and deck. For example, if attached to the home, it may have property coverages similar to the home itself. This includes protection from fires, for example. It may cover damage from hail, lightning strikes and vandalism. Be sure to read through your policy to know what it specifically covers.
However, it often does not cover damage from the pool directly or from other reasons. For example, if the deck has foundation problems or has damage from the pool leaking water, that may not have coverage. Your home insurance agent can offer more clarity in how your policy details play out. Yet, most people will need to cover those costs on their own.
Consider the Liability Risks
Pools themselves are a high-risk component of any home insurance policy. For this reason, consider the following:
- Always be sure your pool is a component of your policy. Your agent needs to know you have a pool on the property. This should be in your policy to ensure you have coverage.
- If someone slips and falls on the deck, you could be liable for their losses. Your losses may have coverage as long as your pool, and the deck is on your policy.
- Your insurance does not cover injuries to you or to those people living in your home. If you slip and on your pool deck, you generally do not have coverage for those losses unless you have health insurance.
- Verify exclusions on your policy. Many home insurance plans exclude pools or pool-related claims. This could apply to your pool deck.
- Always take steps to minimize risks. Choose a deck that is less slippery. Invest in quality construction for it.
Call an Iowa Insurance Store agent at (515) 964-2927 about your home's pool. The decks, even when not connected to the home, should be within your policy. This helps minimize your risks of non-coverage when an incident occurs. Speak to an agent about any risk factors you have.
Also Read: Define Covered Loss in Home Insurance