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How a Pool or Hot Tub Affects Your Homeowners Insurance

Adding a pool or hot tub can mean adding a new way of creating memories with family and friends, and it can even add value to your property! But it also means that you take on new liability if someone were to be injured (or worse) in your pool or hot tub. It’s important to understand that your insurance company takes on new risk by providing you insurance coverage for your home and property. Learn more about the implications installing a pool or hot tub can have on your homeowner’s insurance and why it’s important to let your insurance company know of the new addition to your home. 

Increased Liability Risk

One of the primary concerns for insurers is the increased liability risk associated with owning a pool or hot tub. The liability portion of your home insurance policy protects you from paying legal and medical fees, and being found personally liable for anyone using your pool or visiting your home, in the case someone gets hurt.

Coverage Limits and Exclusions

Adding a pool may prompt your insurance provider to adjust your coverage limits or exclusions related to swimming pools. Some insurers may require specific safety features, such as fences with self-locking gates, to mitigate risks. Failure to comply with these requirements could result in coverage limitations or even policy cancellations. 

Furthermore, adding a pool or hot tub can increase the value of your home, which in turn, can increase the cost to rebuild your home. Increased rebuild costs equals increased insurance rates, since you are charged based on the risk of loss vs. the value of loss.

Ensure You're Property Protected

Ultimately, your insurance policy needs to have the right amount of coverage for your new liability risk, so it’s important to let your Ayr Farmers Mutual insurance Agent or Broker know of the addition so that you are covered adequately. The partnership with your insurance company goes both ways, and you can help to protect yourself by making sure that your insurance policy protects you, your family and your financial investments.

Talk to your Ayr Farmers Mutual Insurance Agent or Broker today about your property insurance coverage, or request a free, no obligation quote on home insurance.

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Disclaimer: The information provided on this blog is for educational purposes only and is not intended as professional insurance advice. The coverage, terms, and conditions of each insurance policy are unique and subject to individual circumstances. The information provided does not guarantee the availability or suitability of any insurance policy for your specific needs. You should not rely on the information in the blog as an alternative to professional advice from your Insurance Broker or Insurance Company. If you have any specific questions about any insurance matter, please consult a Licensed Insurance Agent or Insurance Broker for personalized advice and guidance.

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