游泳池如何影响您的房主政策
When you own a home, it's necessary to have homeowners insurance. This policy protects the actual structure of your home, but it also includes the personal belongings inside your house. If you own a home with a pool—or what's commonly known in the insurance industry as an "attractive nuisance"—you may need to adjust your insurance coverage.1
An attractive nuisance refers to anything around the home that could be a potential danger to children. Making sure you are fully covered when owning a property with a pool is essential. Now that it's summer, here's what you need to know about homeowners insurance and swimming pools.
承保哪些损害?
首页owners insurance will cover damage to the actual structure of the pool from certain events, 比如火, 雷暴, 冰雹, or vandalism—similar to what your house would be protected against.
大发888dafa通常不包括的事件包括:2
- 地震
- 水的破坏
- 失修的:经常疏忽或失修的
How much the insurance company will pay out depends on your specific policy and deductible. 在为房主投保时, it's important to include the "build cost" of your entire property. This is the amount of money it would cost to rebuild your home and the surrounding property, 包括一个游泳池. The cost of the pool will drive up the build cost of your home, meaning your monthly premium for homeowners insurance will likely be higher.
掩埋式和. 地上游泳池
The type of pool you have does make a difference when it comes to insuring it. Some insurance companies will consider an above-ground pool as a piece of property and not as part of the actual build cost of your home. It will be covered in the same way as your belongings would be.
An in-ground pool is usually a more expensive item to have than an above-ground pool. Your in-ground pool will be listed specifically as a pool on your policy. Both will be covered under a homeowners insurance policy but classified under different parts.1
受伤或溺水的医疗大发888dafa
Since a pool is considered a type of hazard or danger, there will be a personal liability section on your homeowners insurance policy. It usually covers up to a certain amount in legal fees if a guest is injured at your pool in addition to a separate amount of personal liability, 取决于你的政策. You can also take out extra insurance coverage in the form of umbrella insurance. This is additional liability insurance connected to your homeowners insurance.1
与泳池有关的安全注意事项
According to the Centers for Disease Control and Prevention, children ages one through four have the highest drowning rates.3
The risk of children falling in and drowning is the primary reason why almost all insurance companies require that you have a fence around your pool area. There are also local and state laws in your town that may have regulations surrounding pool ownership. For example, you may be required to have a fence of a specific type or height surrounding your pool.1
Other good safety measures you might want to consider are installing lights around the pool area, making sure that the surface around it is non-slip, 并在附近准备一个急救箱. 除了让你的泳池更安全, incorporating these safety measures may make you eligible for a discount from your insurance company.
许多房主都很享受拥有游泳池的好处, from hosting family barbecues to taking a quick dip on a hot afternoon. Whether you're purchasing a new home or looking to reevaluate your coverage, keep this important information in mind when it comes to insuring your home's pool.
1. BankRate.com, 2021年8月5日
2. Investopedia.2021年6月10日
3. 疾病预防控制中心.政府,2022
The content is developed from sources believed to be providing accurate information. The information in this material is not intended as tax or legal advice. It may not be used for the purpose of avoiding any federal tax penalties. 请咨询法律或税务 professionals for specific information regarding your individual situation. This material was developed and produced by 消费品套件 to provide information on a topic that may be of interest. 消费品, 有限责任公司, 不隶属于指定的经纪自营商, 国家或证券交易委员会注册的投资咨询公司. The opinions expressed and material provided are for general information, and should not be considered a solicitation for the purchase or sale of any security. 版权 消费品套件.
