Everything You Need to Know About Insuring Your Swimming Pool
July 12, 2023 4 minute read

Having a swimming pool on your property is a wonderful way to stay cool on hot summer days. Though splashing and swimming can be fun, owning a backyard pool comes with serious responsibilities. For one, if a visitor or loved one were to get hurt or drown in your pool, you could potentially be held responsible.

With this in mind, let’s dive in (pun intended!) to some advice and tips for keeping everyone safe.

The first thing to do, if you’re considering getting a pool, or have newly purchased a house with a backyard pool, is to notify Chalmers.

Pools can be dangerous. With wet surfaces, drowning risks, and running/jumping in and around the pool, there is an increased risk of injuries. To better cover this risk, you should consider increasing your personal liability coverage on your homeowners' policy. Homeowners insurance typically covers damage to your pool from things like fallen objects or fire. However, it may not cover liability claims if someone is injured at your pool.

To be sure you are protected, you may also want to consider adding an umbrella liability policy to your homeowners' insurance. This will provide additional coverage for liability claims, up to the limits of the policy.

Reduce drowning risks by installing a safety fence around your pool with a locked latch. You should also consider a cover over the pool when you are not using it. A fence is one of the most important things you can do to protect children and pets from drowning. The fence should be at least four feet high.

Be sure to supervise swimmers at all times—especially children. Even if your children know how to swim, they can still get into trouble if not supervised. It is wise to teach children water safety skills including how to swim, float, and get out of the pool if they fall in.

Keep lifesaving equipment, including a first aid kit, near the pool, and make sure you know how to properly use it.

Minimize disease risks by keeping your pool water properly filtered and chemically treated. Don’t allow swimmers to drink pool water, keep pets out of the pool and avoid having anyone with open wounds or illnesses enter the pool.

Mitigate chemical risks by keeping all pool chemicals at the proper levels and following all manufacturer’s instructions carefully whenever you add chemicals to the pool or filtration system. Be sure to store chemicals in a cool, dry place, away from fire hazards and lawn care products.

Always evacuate the pool during a thunderstorm or in the rain. Lightning strikes are a leading cause of drownings.

Your pool is supposed to enhance your life. It should be a place to unwind, exercise, cool off, and spend time with your loved ones. The last thing you need is a pool-related incident to cause stress, hardship, or financial setbacks. By reviewing your homeowners' insurance policy and making appropriate adjustments, you can rest assured your pool will solely serve its purpose of fun and relaxation. 

While you’re at it, it may be a good time to review all of your personal insurance policies. A lot can change in a short amount of time, so you want to make sure your policies keep up with life’s changes.

Back to Learning Center

"Chalmers Insurance is staffed with local people. These are people I see at the grocery store and know by name. I place complete trust in these neighbors to look out for my best interests with Chalmers insurance products or services."
- Tim P.
"The customer service Chalmers provides is outstanding. Imagine calling an insurance agency and feeling better than before you called. I'll never switch."
- Melissa E.
"Your agency takes good care of us with your dedication, love, and care."
- Customer since 2007
"Chalmers Insurance has always had our backs. They are respectful and so pleasant to work with. We are so thankful for having them in our lives!"
- Angelo C.
"Chalmers is always so helpful and always accommodates our requests with professionalism and humor! "
- Robert H.
"The Chalmers Group was super friendly, energetic and somehow made me feel happy about purchasing insurance, something I thought I would never say in my life. They were kind, honest, and more than you could wish for while shopping for something as mundane as insurance. Six out of five stars. "
- Jordan P.
"Chalmers was excellent throughout the process. They improved our coverage and ultimately reduced our premium. My agent communicated where there were differences and prepared a nice comparison of coverage. I was happy to place our coverage with Chalmers. "
- Susan A.
"Chalmers was quick to help me with a problem; my agent was knowledgeable and super supportive. I appreciate the professionalism and sense of humor. Overall, it was a wonderful experience. "
- Jan H.
"Chalmers walked me through everything in detail. They were fast to respond, friendly and knowledgeable."
- Sean G.
"My Chalmers agent was very helpful, knowledgeable, and patient with the process. To sum it up, the only thing better than my Chalmers agent would be two of her. "
- Richard S.
"Chalmers made it super simple and I had coverage before my lunch break was over. I was very satisfied. "
- Geoffrey P.
"My Chalmers agent answered all of my questions, explained insurance jargon to me, and was polite and knowledgeable. "
- Jennifer T.
"I appreciate how friendly the Chalmers Group is when I talk to them. They always have a positive attitude. "
- Amanda H.
"Always available and always kind. Chalmers works to find solutions."
- Elaine C.
"I appreciate being able to talk to an actual person who is both knowledgeable and helpful."
- Duke M.
"Helpful, knowledgeable staff that truly cares and takes the time to make a personal connection!"
- Aaron C.
"My interactions with Chalmers have always been flawless: quick, informative, highly professional. Having my home insured with Chalmers makes me feel good!"
- Client since 2016