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That summer dip could cost


Many homeowners dream of installing a swimming pool on their property. A pool will make your home more exciting and functional by allowing you to swim for leisure or fitness purposes wherever you wish. Apart from that, it will add to the value of your property significantly. Before you plan your dream pool, talk to your insurance agent. You don't want to end up drowning in insurance premiums.


If you intend to add a swimming pool to your property, remember that a ten thousand dollar investment in a home theatre system compared with a ten thousand dollar swimming pool will have different impacts on insurance. When it comes to insuring a swimming pool, it's not about the money, but rather the risks of having a pool.

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

What Are The Insurance Risks Involved In Having A Swimming Pool?


Ask these questions to determine the insurance risks before beginning the process of constructing your pool and thereafter having it insured.

What will your maintenance routine for the structure and the pump be like? Will it be regular such that you perform the necessary maintenance tasks at least once per week? Or will it be irregular such that you perform those tasks only when you feel like it? Remember that irregular maintenance will attract common problems like infections and leaks to your pool the latter of which could ruin the foundation of your building or your neighbor's.
Since the area around an inground pool is concrete and it can get slippery when it's wet. Is there any precautious installation you intend to put in place to prevent accidental slips and falls because falls can be dangerous?
Do you intend to host poolside BBQs with friends--------a practice that can be dangerous after a few beers with added risk if children are involved?
Any safety precautions you intend to put in place to ensure that kids and pets will not be able to get in the pool alone thereby risking drowning?
How deep do you intend the pool to be, keeping in mind that both too deep and too shallow are serious risk factors for a pool? After all, too deep increases the risk of drowning whereas too shallow increases the risk of someone hitting their head on the bottom of the pool---especially when you have a diving board installed!

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 the increased risk.


As a homeowner, here is what you should know: Most Canadian home insurance policies combine a wide range of coverage types. These coverage types are;

Coverage for personal liability.
Coverage for the dwelling, buildings, shed, and external building within the property.
Coverage for personal contents and belonging.
Coverage for loss of building use (living expenses).
Coverage for loss of other personal property or possessions.


Most importantly, your home insurance could provide financial relief against evacuation (excluding war) or when natural disasters occur.

What Is Covered Under A Standard Home Insurance?


Will I need to obtain separate coverage for my pool despite having standard home insurance?

We get asked this question a lot of times. Well, some home insurance policies cover your swimming pool and related injuries whereas others don't. It's best to consult with your insurance provider first to find out if your swimming pool will be included in the pack. However, below are perils covered across the board;

Fire, explosion, and lighting.
Electrical current.
Falling objects.
Vehicles owned or operated by you.
Windstorm and hail.
Riot, vandalism, and theft.
Volcanic eruption.
Freezing of plumbing.

If your home insurance policy does not cover a swimming pool, you'll need to obtain swimming pool insurance. With one, you'll be covered against pool-related personal liability and property damage risks.


Most home insurance policies that cover swimming pools tend to be limited in terms of pool coverage. The good news is that they allow clients to increase their liability coverage limits. If you have such a policy, it will be best to increase your pool liability coverage limits to match the added liability risks that you will be susceptible to once you finish building your pool.

Final Thoughts


Every homeowner dreams to have a swimming pool. Yet one thing that doesn't come to mind for many is the insurance cost. While swimming pool insurance remains essential, getting one without a proper plan can cost you a lot of money. The best way to avoid sinking into insurance premiums with a coverage is to think about insurance before building your pool. Your insurer will charge you mostly based on the potential risks you are susceptible to as a result of having a pool. By designing your pool such that it eliminates a number of those risks, they will charge you less and vice versa. That's why it's important to consult with your insurer before constructing your dream pool.

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