🏊 If I Have a Swimming Pool or Hot Tub, Will My Insurance Go Up?

Short answer: Yes, it might — but not by much.

Having a pool or hot tub can make your place feel like a resort, but it also adds a bit more risk (think slips, falls, or water damage). Because of that, some insurers may charge a slightly higher premium to account for the increased liability.

💡 What to know:

• The increase is usually small, but it depends on your insurer.

• You may be required to have a fence or a lockable cover for safety.

• Liability coverage might need a boost (because accidents happen).

📝 Pro tip: Let your insurance provider know about your pool or hot tub when you’re setting up or updating your policy — it helps avoid coverage issues later.

Updated on: 02/05/2025