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Homeowner liability for swimming pools

When Connecticut homeowners put a swimming pool into their backyard, they do not always consider what might happen if someone is injured. However, people can easily be hurt around pools, and it is important for homeowners to understand how to prevent these injuries and when they might be liable.

While homeowners do not want their family and friends to be hurt in their pool, accidents can still happen. LoveToKnow.com says that homeowners can prevent some injuries by taking extra safety precautions. Typically, an adult should supervise all activity in the pool, and this person should usually refrain from drinking while in charge. Additionally, people may want to install a pool cover so no one falls in by accident. Gates can also keep young children from accessing the pool when they are unsupervised.

Even with the best preventative measures, someone may still be harmed around a swimming pool. In these circumstances, homeowners may be considered liable. This liability does not include only instances when people knowingly have guests in their pool; in some cases, homeowners may be held responsible for any deaths or injuries which occurred while they were out of town.

Because of this liability, people may want to review their homeowners insurance before they host a pool party. According to Allstate, a homeowners insurance policy usually includes coverage for swimming pools. People might expect to have about $100,000 of liability coverage. Some people may want to consider getting additional insurance for their swimming pool, though; this can be beneficial if people realize that their homeowners insurance does not provide as much liability protection as they feel is necessary.

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