Swimming pools are a great place to exercise, relax, or have some family fun; however, it is very important to ensure everyone’s safety when in and around pools.

Pool submersions and drowning can happen very quickly. A child, for example, can drown in the time it takes to answer a telephone or retrieve a towel. It is important to be alert to the hazards or drowning, non-fatal submersion injuries, and drain entrapments.

In an attempt to improve pool safety, the U.S. Consumer Product Safety Commission (CPSC) launched a national public education campaign to reduce childhood drowning, non-fatal submersion injuries, and entrapments called Pool Safety: Simple Steps to Save Lives. To learn more, please visit: http://www.poolsafely.gov/

Swimming Pool Safety Tips

  • Make sure adults are trained in life-saving techniques and CPR so they can rescue a child if necessary
  • Surround your pool on all four sides with a sturdy five-foot fence
  • Make sure the gates self-close and self-latch at a height children can’t reach
  • Keep rescue equipment (a shepherd’s hook — a long pole with a hook on the end — and life preserver) and a portable telephone near the pool
  • Avoid inflatable swimming aids such as “floaties.” They are not a substitute for approved life vests and can give children a false sense of security
  • Children are not developmentally ready for swim lessons until after their fourth birthday. Swim programs for children under four should not be seen as a way to decrease the risk of drowning
  • Whenever infants or toddlers are in or around water, an adult should be within arm’s length, providing “touch supervision”

Is My Pool Covered By My Homeowners Policy?

Pools are typically covered by homeowners insurance policies; however, it is a good idea to review your coverage to make sure you have the right amount of protection in place. Typical coverages include:

  • Property Coverage
    Your homeowners policy will typically cover repairs to your swimming pool from damage done by things like storm damage, etc. Be sure your policy has enough coverage to cover the pool and an accessories, such as a diving board, slide or deck. Note: most policies exclude damage from frozen water, be certain to drain it and keep it covered in the winter.
  • Liability Coverage
    If someone suffers an injury at your pool, you could be responsible for medical or legal expenses that result from the incident. Liability protection is a part of a typical homeowners policy, you should consider increasing your coverage due to the increased risk a pool brings.
  • Umbrella Policies
    If you need additional protection, consider adding a personal umbrella policy. It will provide liability coverage above the limits of your homeowners policy.

Contact your Cole Harrison agent today to review your homeowners policy and coverage to ensure you have the right protection in place.

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