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    Personal Insurance Blog

    Pool Laws and Insurance

    Posted by Gordon Atlantic Staff

    Wed, May 20, 2020 @ 03:16 PM

    Do you have a swimming pool, or are you thinking about getting one?  Summer is coming!  

    Always make sure you're aware of the laws and risks that are associated with pools. Abiding by the state laws for private pools not only protects the lives of those using the pool, but also ensures that you avoid fines from local officials or the Massachusetts State Board of Building Regulations.  

    Here are some of the regulations as we understand them: 

    • Pools must be surrounded by a fence four feet or taller, with a self-closing gate.
    • Doors from your house leading to the pool must be alarmed.
    • Swimming pools must be at least 20 feet away from the borders of the property lot, and they shouldn't be near your septic tank. Insure_your_pool_with_a_personal_umbrella_liability_homeowners_policy_from_Andrew_G_Gordon_Inc

    Did you know that even inflatable pools you buy from Wal-Mart need a building and electrical permit (if they hold 24 or more inches of water in height)? You and your kids should have lots of outdoor fun, but be careful and contact your city or town hall if you're not sure. 

    To save on your energy bill for your pool, consider a solar cover to heat the pool for free and prevent evaporation. Keep your filters clean so that the pool filters run smoothly and keep irritants out of the water. Maintaining your pool properly and frequently protects and prolongs the life of your pool equipment.

    A few insurance angles:

    Insure the added risk from your pool by increasing your home insurance liability limits. 

    Pools count as "other structures" under your home insurance policy, which are typically given 10% of coverage for the amount written for your home (if your homeowner's policy is $350,000, then your other structures are typically covered at $35,000. If this isn't enough, call us.

    If you will be away from your pool for an extended period, it is worth the investment of putting locks on your gates to prevent unwanted intruders.  This protects your property as well as you in the unlikely event someone is injured.

    Contact us with any questions about your homeowner's insurance or for a personal umbrella policy quote.

    Have a safe and happy summer!

    Gordon Atlantic Insurance

    Call us today for a quote: 800-649-3252

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    Tags: home, insurance, laws, massachusetts, homeowners, pool, swimming, personal umbrella

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