Pool Insurance in California Explained (2024)

Pool insurance refers to a specialized form of homeowner’s insurance that provides coverage for potential damages or liabilities associated with owning a swimming pool. While a standard homeowner’s insurance policy may offer some level of protection, pool insurance often includes additional coverage tailored specifically for the risks associated with pool ownership.

Where Can You Get Pool Insurance in California?

In California, pool insurance can be obtained from most major insurance providers. These companies often offer it as an add-on to your existing homeowner’s insurance policy or as part of a specialized package for high-risk properties. Companies like State Farm, Allstate, and Farmers Insurance provide options for California homeowners. Additionally, you may find more specialized coverage through agencies that focus on properties with unique risks, such as those located in high-wildfire areas or with luxury amenities like pools.

For those specifically in California, it’s advisable to consult with local insurance agents who understand the specific risks associated with the state’s climate and property laws. The California Department of Insurance is a valuable resource for understanding the regulations and finding licensed agents in your area.

Why Is Pool Insurance Important in California?

Owning a pool in California can significantly increase your liability risks. With California’s warm climate, pools are a popular feature, but they come with substantial responsibilities. Pool-related accidents, such as drowning or slips and falls, can lead to expensive lawsuits. Without proper insurance, homeowners could face significant financial losses.

Additionally, pools can be damaged by natural disasters like earthquakes and wildfires, which are common in California. Standard homeowner’s insurance may not cover these specific risks, making pool insurance an essential investment for peace of mind.

Key Considerations before Considering acquiring Insurance

Insuring a swimming pool in California requires some considerations, such as the type, size, and value of the pool, the liability risks, and the local regulations. Here are some points to keep in mind:

• According to the California Building Code, all pools must have a fence or barrier that is at least 4 feet high and has a self-closing and self-latching gate. The fence must also prevent access from the house and the garage to the pool¹.
• Pools are considered attractive nuisances by the insurance industry, which means they increase the liability risk for the homeowner. If someone is injured or drowns in your pool, you could be held responsible for the medical bills, legal fees, and damages².
• To protect yourself from liability claims, you should increase your liability coverage on your homeowners insurance policy. The standard amount is usually $100,000, but experts recommend having at least $300,000 to $500,000 for pool owners³.
• You may also want to consider getting an umbrella policy, which provides additional liability coverage beyond your homeowners policy limits. Umbrella policies typically start at $1 million and can cost as little as $200 to $300 per year.
• Pools are also covered by the other structures coverage on your homeowners policy, which pays for the repair or replacement of structures that are not attached to your house, such as sheds, fences, and pools. The standard amount is usually 10% of your dwelling coverage, but you may need to increase it if your pool is worth more than that.
• The cost of insuring a pool varies depending on the type, size, and value of the pool, as well as the amount of coverage you choose. In general, you can expect to pay about $25 to $75 more per month for your homeowners insurance if you have a pool.
• You should also maintain your pool regularly and follow the safety guidelines to prevent accidents and damage. Some tips include installing alarms, locks, and covers on your pool, keeping children and pets supervised, and using proper chemicals and equipment.

Having the proper insurance for a backyard pool is essential. The root of the issue is this, do your clients need specialty coverage for their swimming pool or is their homeowner’s insurance sufficient?

Does Homeowners Insurance Cover Swimming Pools?

The short answer is yes, homeowners’ insurance can cover swimming pools. Not all insurers cover swimming pools, and many require additional steps to minimize risks such as adding a fence or other safety features. The best approach in providing coverage for a swimming pool is for your clients to discuss coverages with their experienced insurance agent.

Do Above Ground Pools Require Coverage?

Insurance companies are looking at the possibility of property damage or injury. This risk exists for both above and in-ground pools. Talking with their agent can help clarify any specific questions they may have about insuring their pool and any stipulations they may need to fall in line with.

Many people decide to add umbrella insurance to add additional coverage beyond what their homeowner’s insurance would payout in the case of damage or an incident. This leads us to another important question: How much insurance is enough insurance?

How Much Insurance Is Enough Insurance?

The true test isn’t whether your clients have insurance for their home that includes coverage for the pool, but if their limits are high enough to protect them in case of an incident. If someone is injured, will their limits be high enough to cover the expenses of the person’s medical treatment, the legal fees that may come from being sued, as well as any compensation that an injured person may be awarded in a civil lawsuit against your client?

If your client is asking how much insurance is enough, the answer is, how much can they afford? Insurance is meant to provide protection from the risks accompany having a pool on their property. The more insurance they carry, the more protection they have from those risks.

A swimming pool might be the center of fun, but having one come with liability. Your clients should be aware of the need to protect their investment and carry essential. With the proper insurance policy, they can protect their property and financial future for the years to come.

Who Needs Pool Insurance?

Any homeowner in California with a pool should consider pool insurance. This is especially true for:

• Families with Children: Pools are a major attraction for kids, but they also pose significant risks. Pool insurance can cover liabilities related to accidents.
• Property Owners with High Foot Traffic: If you frequently host guests or rent out your property, the likelihood of accidents increases, making insurance crucial.
• Owners of High-Value Homes: Properties with pools often have higher values, and specialized insurance can protect this investment.

Even if your pool is fenced or has a cover, the risks remain. Homeowners should evaluate their current insurance policies to ensure adequate coverage.

How Do You Obtain Pool Insurance in California?

Obtaining pool insurance in California involves several steps:

1. Evaluate Your Current Policy: Start by reviewing your existing homeowner’s insurance policy to see what coverage it offers for pools. Many policies include some level of coverage, but it may not be sufficient.
2. Consult with an Insurance Agent: Speak with an insurance agent who understands California’s specific risks. They can guide you on whether you need additional coverage or a separate policy.
3. Consider Liability Limits: Determine how much liability coverage you need. The standard amount might be insufficient, especially if you have a high-risk pool, such as one without safety features.
4. Get Multiple Quotes: Like any insurance product, it’s wise to shop around. Compare quotes from different providers to ensure you’re getting the best coverage for your needs at a competitive price.
5. Review and Update Annually: Pool insurance needs can change over time. Make sure to review your policy annually, especially if you’ve made any changes to your pool or property.

What Are the Costs of Pool Insurance in California?

The cost of pool insurance in California varies based on several factors, including the size and type of pool, the property’s location, and the homeowner’s claims history. On average, homeowners might pay an additional $50 to $150 per year on their homeowner’s insurance policy for pool coverage. However, this can increase if the pool is considered high-risk or if the property is in an area prone to natural disasters.

For more detailed pricing tailored to your specific situation, it’s best to consult directly with insurance providers.

Conclusion

Owning a pool in California is a luxury, but it comes with significant responsibilities and risks. Pool insurance is not just an optional add-on; it’s a crucial part of protecting your home and financial future. By understanding what pool insurance covers, where to obtain it, and how to ensure you’re adequately protected, you can enjoy your pool with peace of mind.

For more information on pool safety, maintenance, and insurance, visit the California Pool Association and stay informed about the best practices for pool ownership in California.

References

• California Department of Insurance
• State Farm: Homeowners Insurance Options
• Allstate: Liability Coverage for Homeowners
• Farmers Insurance: Understanding Your Coverage

• Pool Enclosures and Safety: California has stringent regulations regarding pool safety. According to the California Building Code, all pools must have a fence or barrier that is at least 4 feet high, with a self-closing and self-latching gate. This helps prevent unauthorized access and reduces liability risks for homeowners. Remember, pools are considered attractive nuisances, so ensuring safety is crucial.