insuranceThat summer dip could cost you. Garden pool may be bad idea

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home insurance with pool

That summer dip could cost


Many homeowners dream of installing a pool on their property. Before you plan your dream pool, talk to your insurance agent. You don't want to end up drowning in insurance premiums.


A ten thousand dollar investment in a home theatre system compared with a ten thousand dollar swimming pool will have different impacts on insurance. It's not the money, but rather, it's about the risk.

What Are The Risks?

Ask these questions to determine the risk before beginning your construction of having a pool

  1. How was the structure, the pump, maintenance, disinfection. Chances of leak that ruin the foundation of your building or your neighbour's building
  2. The area around an inground pool is concrete, it gets slippery when it's wet, and falls can be dangerous. Is there any precautious installation?
  3. Do you host poolside BBQ with friends? After a few beers, it can be dangerous. Added risk if you have children, poolside horseplay is dangerous.
  4. Any safety precaution. The fence blocking kids or neighbour's pet from getting in and drown in the pool?
  5. How deep is the pool? Too deep will increase the risk of drowning. Too shallow will risk someone hitting their head on the bottom of the pool, especially when installing a diving board.

Pools are considered an "attractive nuisance." in the eyes of insurance. That means the homeowner still be liable even if some trespasser injures or drown themselves. Not only will it increase homeowners insurance premium due to the increased property value, but there is also the additional cost of insuring the pool itself due to increased risk

Most homeowner insurance in the Canadian market is a combination of the following insurance types

  • Liability Insurance
  • The buildings, 
  • Contents 
  • loss of use (additional living expenses), 
  • or loss of other personal possessions 

Most importantly, the homeowner insurance provides some financial relief against disasters. 

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