A backyard pool is one of the best ways to enjoy summer in New Mexico, but it also comes with important responsibilities. If you own a swimming pool or are thinking about installing one, it’s important to understand how your homeowners insurance and liability coverage work.
At ABQ Insurance, we help homeowners throughout Albuquerque and the surrounding areas make sure they have the protection they need before an accident happens.
Does Homeowners Insurance Cover Your Pool?
In many cases, yes. Most homeowners insurance policies cover pools as part of your property. However, coverage depends on your policy, the type of pool you have, and whether your coverage limits are high enough.
Above ground and in ground pools may have different coverage requirements, so it’s always a good idea to review your policy with your insurance agent.
Understanding Liability Coverage
The biggest insurance concern with a swimming pool is liability.
If a guest is injured while using your pool, you could be responsible for medical bills, legal expenses, or damages if you are found liable. This is why liability coverage is one of the most important parts of your homeowners insurance policy.
Many homeowners choose to increase their liability limits or add an umbrella insurance policy for additional financial protection.
Ways to Reduce Risk Around Your Pool
Insurance companies also appreciate homeowners who take steps to improve safety. Consider:
- Installing a secure fence with a self latching gate
- Using a locking pool cover when the pool is not in use
- Keeping rescue equipment nearby
- Supervising children at all times
- Following local pool safety requirements
These precautions can help reduce the chance of accidents while protecting your family and guests.
Do You Need More Coverage?
If you’ve recently added a pool, diving board, slide, or other backyard features, your current homeowners insurance may no longer provide enough protection.
Reviewing your policy each year helps ensure your home and assets are properly covered.
Let ABQ Insurance Help
Whether you’re installing your first pool or reviewing your current homeowners insurance, ABQ Insurance can help you find coverage that fits your needs and budget.
Contact us today for a free homeowners insurance review and enjoy your summer with greater peace of mind.
Albuquerque Office: 505-217-2100
Rio Rancho Office: 505-433-6990
