Are Above Ground Pools Covered by Homeowners Insurance?

Are Above Ground Pools Covered by Homeowners Insurance?

You’ve bought an above ground pool in your home for your kids to play in. It’s one of the best investment that you’ve made, and you’re sure your kids will have a great time in the pool. While everything’s great, there is that one thing that you’ve forgotten – to check whether the above ground pool is covered by homeowners insurance.

It’s important to check that the above ground pool is covered by homeowners’ insurance, and not without reason. According to a survey carried out by the Center for Injury Research and Policy, more than 1000 children get drowned each year in the U.S.A. Such accidents can ruin one’s life with huge compensations, as it took place on their property.

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How to Get the Right Insurance Policy?

Getting hold of the right insurance policy from before can help you avoid any such situations. For most of the insurance companies, swimming pools are labeled as an “attractive nuisance”. It is recommended that you seek the advice of a homeowner insurance agent before going forward with the setup.

Insurance coverage

The insurance policy has to cover accidents. Remember, while the pool has to be insured, it also needs to comply with the local standards. If any unforeseen injury or even death takes place, the owner can easily be held legally responsible for this.

Disclose to your insurance company about the new installation, or else the insurer might simply refuse to help you with the claims.

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A good homeowners’ insurance offers clients financial protection against most disasters. It is like a package policy, which includes covering for property damage along with legal liability for any injured member of the family. The standard policy of the insurance covers most of the potential disasters including the following.

  • Windstorms
  • Lightning strikes
  • Tornadoes
  • Winter storms

Personal property insurance

Most of the above ground pools are considered to be the personal property of the owner. Personal properties include sports equipment, furniture, and firearms, or any belongings that may be off the premises but will be protected by the homeowners insurance.

How Much Is An Above Ground Pool with Deck

There’s no simple way to tell how much a pool deck costs because there are just so many options out there. To answer the question of how much is an above ground pool deck, let’s take a closer look at what goes into building one.

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Understand the Insurance Limit

Every object that you own, even if it is insured, has an upper limit of what the insurance company will pay you. Above ground pools are usually easy to assemble and disassemble for the convenience of the owners. This particular property of the pool makes it count among someone’s personal belongings. For most of the insurance companies, the standard amount for the liability protection is not more than $100,000. This might just be insufficient when one has to deal with a fatal accident or death on their premises. It’s a good idea to purchase a policy that amounts to $300,000 or $500.000 at the least.

Have access to a good insurance protection to fight against an expensive lawsuit or recover their property from the damage caused by a storm or any other insured natural calamity. The homeowner insurance allows one to acquire an umbrella liability protection, which would give the owner a good $1 million for liability protection; and this includes everything in and around their property.

Best Above Ground Pools for 2020: Top 10 Picks Reviewed

We’re going to give you a comprehensive guide for choosing the perfect above ground pool. We are going to start with a buyer’s guide, to tell you all the features you should consider when purchasing this pool.

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