A recent spike in backyard pool sales means many families are enjoying a summer full of sun and fun in the water, but unfortunately, it also means an increase in accidents and safety concerns. Keep reading to find out what you can do to keep your family safe and what coverage you need to have if you’ve recently installed a pool at your home.
Set your pool up for safety
If you’ve recently installed a pool in your backyard, you’ve likely already taken a close look at what safety measures are required by law in your specific municipality. Many cities and towns require a fence be built around the pool, the property, or both. Even if it’s not required by law, surround your pool with a fence or barrier of some kind on all sides. The gate should be self-closing and self-latching, and the latch should be high enough that a child could not reach it. If the pool backs up to your home, consider installing an alarm to alert you when someone enters the pool area.
Be sure to take all toys and other objects that could lure a child into the water out of the pool when it’s not in use. If your pool is above ground, remove the ladder when it’s not in use as well. Make a list of rules for your pool and strictly enforce them with guests. It’s also a great idea to learn basic water rescue skills, including CPR and first aid.
Don’t swim alone and keep a close eye on the kids.
When it comes to your swimming pool, the buddy system is a good idea for anyone who uses it – including adults. More than one person should be present at all times when the pool is in use, in case of an emergency. If children are using or even playing near the pool, adults should not only be in the area – they should be keeping a close eye on the kids. All it takes is a moment of distraction for an accident to happen.
Be aware of pool drains.
Take note of the locations of drains and other openings in the pool and keep children away from them. Clothing and hair can get stuck in these openings, trapping the swimmer and creating a dangerous situation. Know how to shut off filters if necessary and make sure other adults present know how to as well.
Create a swimming pool safety kit.
Keep a kit with emergency essentials near the swimming pool at all times. This can include a standard first aid kit, a flotation device, scissors that can cut hair or clothing in the case of it getting stuck in a drain or other opening, and an extra phone for contacting emergency services if needed.
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Get informed about what your insurance policy covers when it comes to your pool
Accidents happen, even when all safety precautions are taken. Make sure you’re covered if your pool gets damaged, or even worse, someone gets hurt while using it. If you’re installing a new swimming pool, be sure to let your insurance agent know so they can help you ensure you have the coverage you need.
Swimming pools are usually covered by your home insurance policy, but not always – and the Insurance Information Institute recommends increasing your liability limit or considering an umbrella policy for additional protection. You also need to be sure that you have enough coverage to cover the replacement of your pool and any pool-related items in the event of a storm or other disaster.
Not sure you have the right coverage for your swimming pool? We’re here to answer any questions you may have and help you find the right policy for your specific needs. Give us a call at 636-583-2313 or fill out the form below to get started.
