Generally, all pools are dangerous, regardless of their size. According to the Center for Disease Control, more than 3,000 people drown each year in pool-related incidents. Among children, ages one to four, most drowned in residential swimming pools. Usually, these young children had not been attended which became the case of fatal deaths.
Get in touch with your city hall – Each town will have its own interpretation of a “pool” which is generally based on the depth and measurements of the pool. If you intend to buy a specific pool and it meets the particular standards, then you must adhere to the local safety standards and building codes of the community. Normally, this may comprise of putting in a fence of a definitive size, decks, locks and other pool safety equipment.
Call your insurance agent or company representative – Let your insurance company know that you have a pool, since it will increase your liability risk. Pools are considered an “attractive nuisance” and it may be advisable to purchase additional liability insurance. Most Florida homeowners policies include a minimum of $100,000 worth of liability protection. Pool owners, however, may want to consider increasing the amount to $300,000 or $500,000 and possibly up to $1 million.
Also, you may want to talk to your agent or company representative about purchasing an umbrella liability policy. For an additional premium of about $200 to $300 a year, you’ll receive an additional $1 million dollars of liability protection over and above what you have on your home. It would also provide added liability protection when you drive.
If the pool itself is expensive, or if you decide to install an in-ground structure, you should also have enough insurance protection to replace it in the event if it is destroyed by a storm or other disaster.
Tips to insure your pool:
1. Build a fence around the pool to keep away people from using it without your prior knowledge. You can also install a door with a lock or an alarm system.
2. Never leave small children and/or people who do not know how to swim unattended around the pool. Also, try not leave toys around that would entice a child to come close to the edge of the pool and have the possibility of falling in.
3. Keep the mechanical of the pool in a closed shed away from people, also know how to operate it and turn it off in an event of an emergency.
4. While swimming, always have and adult nearby or someone who is experienced at swimming.
5. Keep the pool area maintained to make sure you avoid any potential hazards.
6. Electrical items such as audio players and charging devices should be kept away from the pool.
7. In the event of an emergency, have numbers of authorities on speed dial.