Adding Pool or Trampoline to your home in California

Adding Pool or Trampoline to your home

Swimming pools and trampolines can have an impact on your homeowners insurance policy.  Before adding these, contact Fidelity Insurance Service to see how these can affect your homeowners policy.

If you install a swimming pool or trampoline without notifying your homeowners insurance company, it could result in any claims involving them being denied.

Any time you add onto your property, even if it's small, you should notify your agent. If you don't, there is the possibility that the insurer could deny any claims that could be linked to your addition. If someone got hurt using your swimming pool or trampoline, this could result in huge personal losses for you in the event of a lawsuit.

Liability release forms aren't any help either, although many people think they remove the liability. If the piece of equipment is on your property, you are liable, regardless of forms.

Not all insurance companies will cover a home that has a pool or trampoline, so contact Fidelity Insurance Service to ensure your current policy will or help you find an acceptable insurance company.  Therefore, it is important to ask your agent before purchasing a pool or trampoline about their coverage options, receive quotes from companies that do insure homes with pools and trampolines, and be up front and honest about the condition they are in.