Helpful information for Oklahomans from wheat fields to city streets.
Having a swimming pool provides refreshing relief from the sun and heat. It may even be a savior during long summer days. However, it also presents some risks. It’s important to be aware of how a pool can impact your insurance. If you’re thinking about adding a swimming pool or buying a home with one, we are sharing tips on safety and insurance coverage.
Insurance companies consider pools an attractive nuisance. To explain, an “attractive nuisance” is anything that may attract or be dangerous to an unsupervised child. For instance, things like trampolines, playgrounds and man-made ponds are all considered attractive nuisances. As a homeowner, you are held liable and are responsible for preventing potential harm your pool could have. This is why obtaining coverage can be critical. Especially since insurance policies may require you to meet certain safety measures before providing coverage.
Typically, insurance companies require special precautions before including coverage. Here are some required safety precautions:
Consequently, fulfilling safety measures could prevent denied insurance coverage or claims, cancelled policies and large liability lawsuits.
Pool insurance by itself doesn’t exist. You’ll need to talk to an OKFB Insurance agent to learn more about coverage options. Also, it may be beneficial to add an umbrella policy, which can provide an additional layer of liability coverage. We offer personal umbrella insurance that’s designed to protect you and your family from lawsuits not fully covered under a standard liability policy.
The information on this website is not a contract, as it is provided for general information to explain potential types of insurance coverages. Further, descriptions do not refer to any specific contract of insurance and they do not modify any definitions, exclusions or any other provision expressly stated in any contracts of insurance. Please read actual policy documents for important details on coverages, exclusions, limits, conditions, and terms. If there is any conflict between the summary and/or information on this website versus the policy documents, the policy documents shall control. Please contact an Oklahoma Farm Bureau Mutual Insurance Company (OFBMIC) Agent to learn more about insurance coverages offered by and through OFBMIC.
Life insurance and annuity products are offered through Farm Bureau Life Insurance Company/West Des Moines, IA and are intended for residents of AZ, IA, ID, KS, MN, MT, ND, NE, NM, OK, SD, UT, WI and WY.