You’ve worked hard for your home and your swimming pool. Now is the time to protect it. A protective swimming pool fence will help. Home insurance is even more important.
Swimming Pool Coverage
For the most part, home insurance covers damage to swimming pools. However, the specific language of your home insurance policy ultimately determines coverage.
Take a close look at the small print of your home insurance policy to determine if your swimming pool is considered a component of the home. Some policies contain language stating a policyholder’s pool falls under the umbrella of “other structures” coverage.
Damage to the Pool
Most home insurance policies contain language stating the home and other structures are insured when a covered event occurs. Such perils typically include hail, harsh winds, fire, vandalism and lightning.
As an example, consider a situation in which nasty winds in Hershey, PA knock a tree into the pool, causing damage to the liner. In such an instance, home insurance would likely be applicable to cover ensuing repairs.
However, there are some exceptions. As an example, earthquake damage isn’t always covered in conventional home insurance policies. If such a quake causes a shift in the ground and damage to the pool, it might not be partially or fully covered.
When in doubt, check the small print of your home insurance policy. You’ll likely find details about covered events and covered structures such as swimming pools. If you can’t find the specifics, reach out to Options Insurance Agency for guidance.
Get Your Quote Today
Options Insurance Agency is here for everyone in Hershey, PA. If you are considering home insurance, dial 1-800-929-6977 for a custom-tailored quote.