Yes, having a pool fence can potentially lower your insurance premiums. It’s a double whammy, but it’s better to be safe than sorry.ĭoes Having a Pool Fence Lower Insurance Premiums? Check with your insurance company for their specific requirements, and while you’re at it, make sure to verify these requirements align with your local building codes too. This may feel like jumping through hoops, but remember, it’s all about creating a safe environment. Generally, the fence should be at least four feet high, with no more than four inches between slats, and should be equipped with a self-closing, self-latching gate. While this might sound like splitting hairs, it’s important to remember that safety is paramount here. Not all pool fences are created equal, and insurance companies are typically looking for specific types. Trust us, you don’t want to be caught in hot water. So, it’s not just about keeping your insurer happy, it’s also about staying on the right side of the law. īesides, while your insurance company might be the one enforcing the rule, many states and local jurisdictions have laws mandating pool fences. However, the specifics can vary from one insurance company to the next, so it’s a smart move to check with your provider. This requirement is their strategy to limit potential liability issues arising from unfortunate incidents related to unsecured pools. Indeed, it may seem like jumping through hoops, but as we’ve just touched upon, many insurance companies do insist on having a pool fence in place before issuing a policy. While the specifics can vary from one insurance company to the next, they almost universally advocate for pool fences as a risk mitigation measure.Īre Pool Fences Mandatory for Homeowners Insurance? The phrase “ every insurance company requires pool fencing ” might seem a bit broad, but it’s not far off the mark. That’s why they typically insist on pool fences as part of their coverage requirements.Įvery Insurance Company Requires Pool Fencing Unsupervised access to a pool could lead to unfortunate accidents, and the potential cost of these accidents is something they’d rather avoid. Understand An Insurance Company Viewpointįrom an insurance company’s viewpoint, a pool without a fence is a liability waiting to happen. The lower the risk associated with an insured item – in this case, your pool – the happier they are. You see, insurers aren’t just in the business of covering losses they’re also about managing risks. Swimming Pool Fencing – What Does Your Insurance Require?īefore we delve into specifics, it’s crucial to grasp the general mindset of insurance companies. Rest assured, we’re about to dive into that very question and make sense of it all. This question seems to stir up quite a whirlpool in conversations around pools and insurance. As you embark on this journey, one question that’s likely making a splash in your mind is, “ Does insurance require a fence around a pool ?” It’s a common concern, and rightly so. Take the leap and read on, as we uncloud the mystery surrounding the seemingly complicated topic of pool fences and homeowners insurance. Whether you’re a new homeowner about to take the plunge into pool ownership, or a seasoned veteran looking to stay in the swim of things, we’re here to help you navigate the often-murky waters of insurance requirements. This article will dive into the most frequent questions surrounding homeowners insurance requirements and pool fences. Now, don’t go off the deep end with worries, we’ve got you covered.

However, as the old saying goes, “with great pools, come great responsibilities.” One such often overlooked responsibility is the homeowner’s insurance requirements related to your private oasis, more specifically, whether or not you need a pool fence. To some, this may mean having a cozy fireplace for those chilly winter nights, and to others, it might be having a spacious backyard complete with a swimming pool for those hot summer days. When it comes to home sweet home, we all want to ensure we’ve dotted our i’s and crossed our t’s.

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