Adding a pool to your home is exciting — it means more fun, relaxation, and time outdoors. But once construction is complete, there’s one important step many homeowners overlook:
👉 Updating your home insurance policy.
A pool changes both the value of your home and your liability exposure, so it’s essential to make sure your coverage keeps up.
Here’s what every homeowner should know after building a pool:
🏡 1. Update Your Home’s Replacement Cost
A pool is a major home improvement. If it’s not reflected in your policy:
Your home could be underinsured
You may not receive full reimbursement after a loss
Once your pool is completed, your dwelling limit should be reviewed to reflect the updated replacement cost of your property.
⚠️ 2. Review Your Liability Coverage
Pools increase the risk of injury — especially when guests, children, or neighborhood friends are involved.
Important considerations include:
Slip-and-fall accidents
Drowning or near-drowning incidents
Injuries during pool parties or gatherings
Most standard homeowners policies include personal liability coverage, but minimum limits may not be enough once a pool is added.
☂️ 3. Consider an Umbrella Policy
Because pools significantly increase liability exposure, many homeowners choose to add a personal umbrella policy. This provides:
Additional liability protection above your home and auto policies
Coverage for larger claims or lawsuits
Peace of mind at a relatively low cost
Umbrella policies are often one of the most cost-effective ways to protect your assets after adding a pool.
🚧 4. Confirm Safety Features & Carrier Requirements
Some insurance carriers require specific safety measures for pool homes, such as:
Fully fenced pool areas
Self-latching or locked gates
Pool covers or alarms
If these aren’t in place — or weren’t disclosed — coverage issues could arise later. It’s always better to confirm upfront.
🧾 5. Document the Pool
Be sure to keep:
Construction contracts
Final invoices
Photos of the completed pool
This documentation helps ensure accurate coverage and smooth claims handling if you ever need it.
We’re Here to Help You Dive In — Safely
Building a pool is meant to be enjoyable, not stressful. A quick insurance review after construction ensures your home, finances, and family are properly protected.
If you’ve recently added a pool — or are planning one — reach out to our office. We’re happy to review your coverage and make sure everything is set up correctly before swim season begins.