How to insure your swimming pool – Best Practice
To be covered, the swimming pool must be declared to the insurer, when the insurance is taken out or when the swimming pool is installed.
Without this declaration, in the event of a claim, the damage affecting your installation would not be covered.
To insure your swimming pool, it is recommended to choose specific optional insurance in addition to your home insurance contract.
What types of installations does the swimming pool option cover?
The “swimming pool” extension does not only cover the installation itself. It includes PA and Jacuzzi.
The extension covers buried or semi-buried installations. They are also insured when they are covered by a dome, a veranda or even a greenhouse.
Above-ground or inflatable equipment is insurable, but not through the “swimming pool” extension. They are covered:
or by the movable capital of your home. This is the maximum amount for which the furniture in your home will be covered.
Either by an “outbuilding” option, when it is stored in a garden shed, or a garage not attached to your main residence.
Maintenance and safety equipment
The swimming pool option can cover:
- Mandatory security elements: The law requires the installation of one of the 4 existing technical systems: a swimming pool enclosure, an alarm, a safety cover (such as a tarpaulin) or a protective barrier.
- Equipment related to the operation of the swimming pool: robot cleaner, pump, heating device, etc.
- Technical rooms: pool equipment shelters, or simple access rooms if the pool is covered.
How does your home insurance cover your pool?
To be covered, the swimming pool must be declared to the insurer, at the time of taking out the insurance or installing the swimming pool.
Without this declaration, in the event of a claim, the damage affecting your installation would not be covered.
What types of damage can be compensated?
With most insurers, the swimming pool is covered by an optional guarantee that meets a specific need. It is added as an extension of the guarantees provided for in your insurance, whether they are:
- Included in your contract, such as fire, water damage or storms.
- Optional such as theft and vandalism or accidental breakage.
Beware of events not covered by the insurer
In addition to problems related to non-compliance with safety obligations, there are exclusions to the coverage of your swimming pool.
An insurance exclusion is a special case where the loss is not compensated by the insurer.
Can thus be excluded:
- Damage due to the weight of snow, such as damage caused to a tarpaulin that covers the swimming pool in winter.
- Certain costs following a repair such as, for example, cleaning.
- Valuables are not insured when they are in the swimming pool or in an adjoining room. A jewel sucked into a pipe is therefore not reimbursed.
- Pool equipment stolen while outside.
Store your belongings in suitable premises or in your main residence.
Conclusion
It very important you include your swimming pool in your insurance policy or package.
This is will help to cover any damage or negative thing that may occur to your insurance.
I hope you were able to comprehend everything on this post.