The majority of homes in Orange County have swimming pools. While this may maximize the appeal of a home, coverage is often minimized on a homeowners insurance policy. Swimming pools, saunas, outbuildings, and other real property improvements are typically considered high-risk assets and require special coverage. There are things that you can do to reduce your liability for pool related accidents as well as lower the premium on your homeowners insurance in Orange County.
Many municipalities require that your pool is fenced in on all four sides to prevent young children or random passersby from accidentally falling in the pool. Similarly, insurance companies are more likely to give you a discount when you enclose your pool with security fencing. But what if you have a hillside lot with an infinity edge pool? Obviously you don’t want to fence it in completely. Instead, you can reduce your liability by installing fencing that is both private and secure around your home to prohibit access from the street. You should also add a safety cover to the pool when it is not in use. Other safety precautions that can potentially reduce your liability are:
- An outdoor telephone (landline, not cell phone) for emergency use
- Easily accessible rescue devices such as buoys and reaching poles
- First-aid kits
- Emergency shut off for hot tubs or spas
Even with all of these safety precautions, it still may not mitigate the risk to get adequate coverage from a homeowners policy alone. You may want to consider purchasing an umbrella policy in addition to your homeowners insurance in Orange County. This will protect you in the event that you are sued for more than the liability amount on your homeowner’s policy and can prevent you from going underwater yourself.