Insurance and above-ground swimming pools?

Question

Does there need to be somethign specific in the policy to cover any accidents that may happen to someone other than the homeowner or would they be covered since it is on the property covered by the policy?

Answer 1

yes there ARE companies that will exclude the liability for pools...I write one of them.  Unless their policy specifically excludes it, they have the coverage though.

Answer 2

You have to notify the insurance company that you have gotten a pool. This may raise their premium and they will need to get a fence to go around it. They may wish to increase the liability coverage as well.

You cannot just cover 2 people with the pool. I'm an insurance agent and never heard of just the homeowners being covered and everybody else being excluded. The policy doesn't work that way.

Answer 3

OK, they are either confused, being lied to by their agent, or lying to you.

Although some homeowners policies will charge extra for the swimming pool, I've never seen a policy that EXCLUDES coverage for the pool, but it might exist.  You can't "add coverage" so that a resident is "covered" for anything, on that pool, so the "only we are covered to swim" is flat out not true.  

Either the liability is there (and it's built in to most policies), or it's not.  You don't "add" certain people.  I'd suggest, maybe they want to keep non-potty trained children out of the pool, for sanitary reasons.

Answer 4

Sorry to say this but your in-laws are lying to you. First off the liability section of their Homeowner's policy would not cover injuries suffered by them, as bodily injury suffered by an "insured" is never covered. Even a half-assed insurance agent would know this.

Second the liability section covers property damage and bodily injury suffered by anyone who is not an insured as defined by the policy. This section either covers everyone, or it covers no one. So as long as the pool was declared to their insurer, and their insurer acknowledged this, then anyone who is not an insured is covered as long as all policy conditions are met.