NJ Homeowners Insurance & Pool Safety

The unofficial start to summer is here, and I know this past weekend many people have started uncovering their pools. Beating the heat with your pool is cool and all, but did you know that every year roughly 43,000 people are injured in or around swimming pools? Even worse, did you know that more than 600 people drown in home or public pools? Are you covered for the worst this summer?

Your NJ homeowners insurance has set limits of liability protection, and they may not protect you from the added risk that a pool provides. If you’re planning to install a pool or already have one, it’s wise to make sure you have increased liability coverage. A personal umbrella policy adds an extra layer of liability coverage and can be a good option.

Another option is being pool smart. Here are some pool safety tips you should follow:

  1. Never leave small children unsupervised-even for a few seconds.
  2. Put fencing around the pool area to keep people from using the pool without your knowledge.
  3. Keep children away from pool filters, as the suction force may injure them or prevent them from surfacing.
  4. Be sure all pool users know how to swim. Learners should be accompanied by a good swimmer.
  5. Don’t swim alone or allow others to swim alone.
  6. Check the pool area regularly for glass bottles, toys or other potential accident hazards.
  7. Keep CD players, radios and other electrical devices away from pools or nearby wet surfaces.
  8. Don’t allow anyone who has been drinking alcohol to use the pool.
  9. Stay out of the pool during rain or lightning storms.
  10. Never dive into an above-ground pool and check the water depth

    before plunging into an in-ground pool. Keep clear of the area near a

    diving board.

  11. Don’t swim if you’re tired or have just finished eating.

If you have any questions regarding your NJ homeowners insurance or pool covereages give us a call today at (732) 680-4444!

“Thanks to American Insurance Services Agency, I’ll be pool smart this summer!” -Michael “Squints” Palledorous