Do you already have a swimming pool, or are you thinking about getting one? Make sure you're aware of the laws and risks that come 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 your homeowners insurance company or the Massachusetts State Board of Building Regulations.
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.
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 your outdoor fun, but be careful and contact your city or town hall.
To save on your energy bill for your pool, get a solar cover to heat the pool for free and prevent evaporation. Keep your filters clean so that the pool runs smoothly.
Insure your pool by increasing your liability and home insurance. 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 $150,000, then your other structures are covered with $15,000. If this isn't enough, increase it with your home insurance agent).
Contact us with any questions about your homeowner's insurance or for a personal umbrella policy quote. Read some more about swimming pool laws and insurance at insureme.com and coverhound.com (thanks to them for supplying much of the information in this article). Have a safe and happy summer!