Since summer is just getting started, many Southern California homeowners are likely planning to invite people over to enjoy a nice party by the swimming pool. The strong allure of grilling burgers and hot dogs accompanied by ice-cold beer while children cool off on a hot summer day is what swimming pools are all about. However, without adequate Chula Vista home insurance coverage, poolside social gatherings are also fraught with significant liability risks that homeowners should keep in mind. Here are five common risks associated with swimming pools.
Statistics compiled by the Centers for Disease Control and Prevention indicate that 10 drowning deaths in the United States occur in backyard swimming pools on a daily basis. This is problematic because homeowners can be found liable even if they do not grant permission to use their pool. Common liability clauses that provide $100,000 worth of protection may prove to be insufficient when the drowning victims are children.
2. Lack of Code Compliance
When adding a swimming pool to an existing dwelling structure, cutting corners in terms of local building codes could prompt insurance companies to deny coverage. Permits and drawings are typically not issued unless they include fencing or enclosures. Even if the permits are issued but the project is completed without adequate fencing, insurance companies may only provide coverage for the swimming pool structure but not for liability situations that may arise from its usage.
3. Inadequate Replacement Costs
When homes that already have swimming pools are acquired, the new homeowners may not realize a small portion of their premium provides an equally small level of coverage. As expensive as pool installations are, they are treated as extraneous structures, which usually means most insurance companies will only cover about 10 percent of the replacement cost. Earthquakes can damage swimming pools. For this reason, California homeowners should ask their insurance agents about their coverage options.
4. Unacceptable Amenities
Trampolines, slides, and other pool amenities may be considered too risky by insurance companies. This does not mean all insurers will choose to refuse liability coverage, but it may result in very high premiums. Outdoor kitchens are not automatically thought of as being too risky, but they make insurance underwriters nervous if they feature a wet bar complete with stools and a refrigerator.
5. Lack of Safety Equipment
Poorly lit swimming pools should never be entered at night. Even with liability coverage, homeowners should install equipment to augment the safety of swimmers. Such equipment may include flotation devices for children, motion sensors that detect intrusions when the pool is not supervised, first-aid kits permanently attached to nearby walls, and purification systems that are properly maintained.
If you’re a homeowner in Chula Vista, cheap auto insurance is just as important as affordable home insurance. Get in touch with American Tri-Star today to get the coverage you need. If you’d like more information and a free quote, call one of our friendly agents at 619-827-0522.