What You Need to Know if You Have a Swimming Pool

If you are like us, your dream is to have a pool in your backyard with the idea to have an endless escape from the humid and hot summer temperatures. But before you dive into your refreshing retreat, here are the need to knows about owning a swimming pool.



  • When your pool is not in use, cover it! By doing this, you will cut down on the amount of debris you get into your pristine clean water. If leaves, sticks and bugs find a way into your oasis, break out the skimmer and scoop out the unwanted liter.
  • Replace or clean your pool filter. Filtering the pool water is vital to keeping the pool crystal clear since it removes un-dissolved dirt and debris from the pool.
  • Sometimes sediment and dirt particles sink to the bottom of the pool and cannot be reached by the skimmer, in that case, a swimming pool vacuum cleaner can be used to suck up any foreign material.
  • Chemicals are important and critical in regular pool maintenance. In order to keep the water clean, chlorine is added to the water. Always test and correct your pool chemistry every week and adjust according to the manufacturer’s instructions.


  • Besides keeping unwanted debris out of the swimming pool, using a pool cover can be a great way to prevent accidents involving little ones and animals getting into the pool unsupervised.
  • In most states, it is a requirement that pools have some sort of fence enclosing the water. This helps cut down on accidental drowning and can dissuade unwanted visitors from taking advantage of your private refuge.
  • Safety 1st! In addition to providing life jackets to beginner swimmers, pools should have certain safety features, such as hand rails or a ladder to make it easier for newbies to get in and out of the pool with ease. Also, it is a smart idea to keep a first aid kit close by for those just in case moments.
  • When installing your pool, make sure that the surface around it is also a priority. By installing a non-slick walking surface, it can reduce the slip and slide atmosphere and help prevent injuries from falls.


  • Typically, insurance for private swimming pools is covered under the personal liability section of any insurance policy. In this section, you will have the chance to raise the standard personal liability from $100,000 to a higher amount. Your personal liability will protect you if any accident happens in and around the pool area and the liability claim will be able to pay for the medical expenses of someone that is injured.
  • Even after adjusting your personal liability limit, you can purchase additional insurance known as “umbrella insurance.” This type of insurance will kick in after the personal liability insurance is spent. As the homeowner, you are personally responsible for anyone who uses your pool.
  • With most insurance companies, you will be required to place a fence around your pool area. The type of fence and the height of the fence may vary but the average height is four feet high. Also, features like a diving board or slide, may increase how much insurance coverage you may need.
  • Fun fact: pools are usually covered under the “other structures” portion of your home insurance policies. Homeowners insurance typically covers other structures up to 10 percent of your dwelling coverage.

While owning a pool is a dream, insuring a pool can be a bit tricky. But do not let that stop you from having this great escape from the summertime heat. The talented folks at Ross Insurance Agency will be happy to review the exposures and appropriate coverage options.