Summer is here, meaning if you own a pool (or have plans to build one), you probably want it open for your family and friends to enjoy. Having a pool takes quite a bit of upkeep, between clearing out debris, making sure the water is clean, and checking for damages. You should keep in mind what pool ownership means in terms of insurance, whether you have just built a pool, if you owned one for years, or are still in the planning phase.

Liability is the first thing you should keep in mind when it comes to pools. Pools are what is known as an “attractive nuisance,” meaning that children are curious of these nuisances, and they may wander over to them and risk injury or even death. For injuries on your property, limits for liability on a homeowners policy typically begin at $100,000, but should be substantially be increased.

Additionally, in most towns and cities, you will have to build a fence or enclosure around the pool or the property; sometimes both. If you already have built a fence/enclosure, make sure it has a self-locking gate and that it’s suitable to keep trespassers out: if it isn’t, your insurance company may exclude liability coverage for your pool. Even if you aren’t negligent, you can still be found liable for unfortunate incidents in your pool.

As for your homeowners insurance, be sure to review your policy to make sure that your pool is included—we can help with this. When it comes to above-ground pools, typically, they are considered personal property; for in-ground pools, this would be covered under the “Other Structure” section of your homeowners policy. Be sure the limit under “Other Structures” (also known as “Coverage B”) is adequate to replace the pool, and any other structures on your property, including, for instance, a paved driveway.

Furthermore, while homeowners insurance may cover damages, policyholders still have to maintain regular upkeep for the pool: damages caused by neglect are very unlikely to be covered.

Pools require a lot of work and can present opportunities for damages and injury. However, with the proper coverage, right safety precautions and due diligence, a pool can be a great thing for you, your friends and your family to enjoy.