🏊 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 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.
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 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: 01/04/2025
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