Swimming pools are a great way to cool off during the hot summer months and a perfect setting for birthday parties or BBQs, but are you covered if a guest is injured while using your pool? What kind of liability coverage does your homeowners policy provide? If you’re not sure, take the time to review these three items and talk to a local Lighthouse agent to review your coverage.


Lighthouse requires a fence around a pool that is at least six feet in height. Pool fences are the perfect way to keep unwanted guests out, and fences also protect children from accidental drownings. Without a proper fence, you won’t be covered if a neighbor sneaks in for a dip and damages your pool pump.

Diving Boards and Slides

Diving boards and slides are fun, but can also be extremely dangerous. Leave them for the waterparks! Many insurers do not accept pools with slides or diving boards due to factors such as possible injury, pool depth, the pool size requirements (they’re larger than pools without diving boards). According to a  study done by Nationwide Children’s Hospital out of Columbus, Ohio, there are an estimated 6,500 injuries caused by diving board related incidents every year. Don’t be another statistic!


Keep up with your pool’s maintenance routine. This includes properly chlorinating, cleaning, and trimming away trees and shrubs that are too close to the pool. Don’t create a hazard for you, your family or your houseguests! The cost for maintaining a pool is far less expensive than the cost of someone getting injured because of your pool.

Check out more pool safety tips and how pool safety codes are in place to help save lives and reduce injuries. The amount of coverage for pool damage varies between policies. The best way to determine the amount of coverage your pool requires is to talk to your local Lighthouse agent today!