Helpful information for Oklahomans from wheat fields to city streets.
As we enter the dog days of summer, having a pool at home provides refreshing relief from the sun and heat. Your backyard pool may be a savior during these long summer days and a fun time for the kids, but it also presents some risks. It’s important to be aware of how your pool impacts your insurance, so if you’re thinking about adding a pool or buying a home with one, we have some tips for you on pool safety and insurance coverage.
Your backyard oasis may add value to your property, but it is considered by insurance companies as an attractive nuisance. An “attractive nuisance” is anything that might attract a child and be dangerous to an unsupervised child — and you can be held liable if something were to happen. Things like trampolines, playgrounds and man-made ponds are all considered attractive nuisances. As the homeowner, you are responsible for the risks posed by your pool and preventing potential harm that could come from it. Having an insurance policy that includes coverage for your pool can help you prevent poolside accidents by requiring you to meet certain safety measures.
In order to include coverage for your pool in your insurance policy, many companies require you to take safety precautions that reduce the chance of an accident in or around your pool. Here are some safety precautions that may be required for you to obtain policy coverage for your pool:
If you don’t fulfill these safety measures, you could face denied insurance coverage or claims, cancelled policies and possibly large liability lawsuits for which you could be solely responsible.
Pool insurance by itself doesn’t exist. You’ll need to talk to an OKFB Insurance agent to find out how you can get coverage for your pool by adding your pool to your home insurance policy. It may also 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.