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Navigating Pool Safety: Mitigating Risk of Pool Ownership

Homeowners Insurance, Tips

Summers are synonymous with pool parties and family gatherings around the pool. However, as fun as it can be, pool ownership comes with its own set of risks. This blog aims to help you navigate pool safety to mitigate the potential hazards associated with pool ownership. With the right steps, you can keep your pool and swimmers safe this season.

MTG Insurance | Pool Safety

Understanding the Risks


Swimming pools, while a source of enjoyment, can pose various risks. Some of the common hazards include accidental drowning, slip and fall accidents, injuries from pool equipment, chemical imbalances leading to skin or eye irritations, and potential waterborne illnesses. According to the Centers for Disease Control and Prevention, from 2005-2014, there were an average of 3,536 fatal unintentional drownings (non-boating related) annually in the United States — about ten deaths per day. Understanding these risks can help you take proactive steps to make your pool a safer environment.


Mitigating the Risks


Regular Maintenance: Keep your pool clean and ensure that the chemical balance is correct to prevent skin and eye irritations or waterborne diseases. Regularly check and maintain pool equipment to ensure it is in good working condition.


Safety Equipment: Install essential pool safety equipment. These include pool covers, pool fences or barriers, pool alarms, non-slip surfaces, and safety signage.


Supervision and Education: Never allow children to swim unattended. Teach them about pool safety rules, such as not running near the pool, not pushing others into the pool, and swimming only when an adult is present. Consider enrolling your children in swimming classes, and equip yourself with lifesaving skills like CPR.


Liability Insurance: Despite all precautions, accidents can still happen. This is where MTG Insurance comes into the picture. A good insurance policy can protect you from potential financial liabilities resulting from any pool-related accidents.


Securing Your Pool with MTG Insurance


MTG Insurance offers policies that can cover the potential liabilities arising from pool ownership. A comprehensive homeowner’s policy will generally cover your pool for perils such as fire, theft, and vandalism. However, you might want to consider an additional liability policy to protect against accidents happening in and around your pool.


Your MTG Insurance policy should also cover the cost of a lawsuit or medical expenses in the unfortunate event of an accident. You can also consider an umbrella policy for further protection beyond your existing limits.


The joy of pool ownership should not be overshadowed by potential risks. With the right safety measures, supervision, and an appropriate insurance policy from MTG Insurance, you can enjoy your pool while ensuring the safety of your loved ones. Remember, being proactive can help create a safer environment for everyone. Request a quote today!