Home Insurance and Swimming Pool Safety

Home insurance with a swimming pool is higher than it would be without one due to the increased risk of injury that comes with owning a pool. Home insurance and swimming pool safety go hand-in-hand because any additional safety measures you take with your pool, like building a fence, can reduce your homeowners insurance rates. Our guide below will walk you through these top swimming pool safety tips so you can guarantee your home is as safe as possible.

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Natasha McLachlan is a writer who currently lives in Southern California. She is an alumna of California College of the Arts, where she obtained her B.A. in Writing and Literature. Her current work revolves around insurance guides and informational articles. She truly enjoys helping others learn more about everyday, practical matters through her work.

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Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance for 10 years. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate...

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Reviewed by Laura Walker
Former Licensed Agent

UPDATED: Nov 22, 2020

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In some parts of the country, kids begin to splash at their local pools during early spring. Some families have their own pools in their own backyard. According to the National Sporting Goods Association, swimming is a favorite routine exercise to stay in shape. Swimming exercises the entire body without stressing the bones and joints, which can help overweight children regain their cardiovascular health.

Children may feel confident enough to hop into the pool without thinking twice. Unfortunately, this can prove fatal for the untrained swimmer. It is extremely important for all children to be supervised by an adult who can swim when playing in or around water. If one child lacks the ability to swim, then it can turn an exciting outing into a horror story. Drowning and injury are real threats for children. According to the Kansas Journal of Medicine, drowning ranks as the second-leading cause of injury-related fatalities for children between the ages of 1 to 14. The Consumer Product Safety Commission cites three hundred toddlers and young children under the age of five drowning in pools every year, making it a legitimate cause for concern. Children can also come in contact with unforeseen dangers at pools, such as viruses and bacteria. This can cause infection of the lungs, ears, eyes, and digestive system. Outdoor pools also attract swarms of mosquitoes and bees.

While these facts may startle some parents, certain precautions can prevent children from harm. In fact, parents can create several layers of protection that will safeguard their children from potential injury and death. For instance, parents should supervise their children constantly and discourage them from entering the pool without another person present. Parents should keep the pool clean to ensure that their children do not come in contact with viruses and bacteria. Erect a fence to keep kids out of an area with an in-ground pool. Install alarms to alert you if children enter the pool area unsupervised. Remove objects from around the pool that would cause playful kids to trip and fall into the water. Learn CPR to help resuscitate children who have had near-drowning incidents. Install the right poolside equipment and cleaning gear. Place floatation devices near the pool and encourage kids to wear a life vest until they master their swimming skills.

All of the preventive tips mentioned above will help keep kids safe while around residential and public pools. Follow these links to learn more about poolside safety for kids:

For Parents

For Children

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