Owning a pool can be an amazing part of homeownership—especially during hot, Louisiana summers. What many homeowners don’t realize is that a pool also increases liability risk.
If your insurance policy isn’t set up correctly, one accident could lead to major out-of-pocket costs.
Why Pools Increase Risk
Pools are considered an “attractive nuisance,” meaning they can draw in children or guests—even without permission.
That increases your exposure to:
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Slip and fall accidents
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Drowning risks
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Guest injuries
This is why insurance companies pay close attention to pool ownership.
Liability Coverage—Why It Matters
Most standard homeowners policies include liability coverage—but it may not be enough.
Many insurance professionals recommend increasing your personal liability limits if you own a pool.
You may also want to consider:
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Umbrella insurance for extra protection
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Reviewing medical payments coverage
Safety Requirements (What Insurance Companies Expect)
Most carriers require specific safety features before they’ll insure a home with a pool:
✔️ A 4–6 foot fence
✔️ A self-latching, self-locking gate
✔️ In some cases, pool covers or alarms
If these aren’t in place, coverage could be limited—or denied.
Common Mistakes Pool Owners Make
Be sure to understand the risks of pool ownership and avoid the following mistakes.
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Keeping minimum liability limits
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Skipping required safety features
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Assuming “it’s automatically covered”
What You Should Do Next
If you own a pool—or are planning to install one—now is the time to review your policy.
A quick check can help make sure:
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You meet insurance requirements
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Your liability limits are adequate
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You’re properly protected
Call us today to request a free homeowner policy review and make sure your pool is properly covered!
