Home insurance: should you insure your swimming pool?

Home insurance: should you insure your swimming pool?


A swimming pool is not a piece of equipment like any other. On the one hand, it can be a source of accidents, on the other hand, being exposed to external aggressions, a swimming pool is also subject to damage and damage. It is therefore essential to insure your swimming pool by opting for a warranty extension of the home insurance contract.
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Home insurance: should you insure your swimming pool?
Insuring your swimming pool is essential! © savoieleysse
Summary

    Why insure your swimming pool?
    What does the pool guarantee include?
    Swimming pool: safety obligations to respect
    What guarantees for removable above-ground swimming pools?

Why insure your swimming pool?

In theory, and like outdoor spaces, a swimming pool is not covered - by default - by your home's home insurance. Following its construction, a masonry swimming pool benefits from a guarantee of perfect completion for faults and minor problems, as well as a ten-year guarantee from the manufacturer for possible defects of a greater magnitude. However, these guarantees - provided by the professional who built it - do not cover all the risks associated with the long-term use of the swimming pool. This is the reason why it is essential to contact your insurer as soon as your swimming pool is installed. You will be able to opt for a specific guarantee according to the type of swimming pool you have installed and according to your needs. In order for your swimming pool to be covered, you will need to request an extension of the guarantee of the home insurance contract, an extension whose content will be adapted to the configuration of your swimming pool, its characteristics and the level of protection you wish to benefit from.
What does the pool guarantee include?

To provide a guarantee for your pool, the content of your contract must be perfectly suited to your needs, the type of pool you have and finally the level of protection you want to achieve. The pool guarantee must however include at least:

    Civil liability, because it covers you in the event of a third party accident occurring in the basin. If someone were to injure themselves in your pool, then you, as the owner, could be held liable. It is therefore imperative to be covered against this type of risk.
    A damage guarantee to insure the equipment in the event of damage. You can take out optional guarantees with your home insurance contract. You can, for example, take out an option that will allow you to be covered in the event of damage caused by fire, climatic events, theft, vandalism, etc. These guarantees make it possible to cover all or part of the swimming pool depending on the contract taken out. They can also be oriented towards certain specific parts, such as the basin, the copings, the technical room, the pump, etc. It is therefore important to take the time to assess, with your insurer, the main risks weighing on each part of the swimming pool. This way, you can choose the most suitable cover.

Note that with a swimming pool option in your home insurance contract, you get a guarantee on seals - totally or partially - on a screed on the ground, but also on other equipment such as real estate elements such as the liner, covers and protections that are not fixed in the ground, installations related to the pool filter and pump, robots, etc.

Finally, it should be noted that these guarantees are applicable to both indoor swimming pools and outdoor swimming pools, as well as above-ground swimming pools and spas, as long as they are permanently installed.

When purchasing the swimming pool option. take care to check the warranty exclusions. Certain claims, such as an accidental leak from the external water supply pipes, for example, are generally not taken into account.
Swimming pool: safety obligations to respect

Taking out a specific guarantee for your swimming pool annexed to your home insurance contract is an essential parameter in order to be fully covered in the event of an accident and properly compensated in the event of damage caused to the pool or to one of its components. However, to be able to claim this cover as well as any compensation in the event of a loss, you must first equip your swimming pool with an approved safety device. This involves installing one or the other of these four pieces of equipment:

    An audible alarm meeting standard NF P90-307.
    A swimming pool enclosure, whether it be a light structure or a veranda, complying with the NF P90-309 standard.
    A blanket or a