A swimming pool or hot tub can be a great feature of a Florida home, but it can also be something an insurance company considers when reviewing a property.
The condition of the pool or hot tub, how it is secured, and whether it is operational can all be important when determining whether a property meets a carrier’s underwriting requirements.
An Unsecured Pool or Hot Tub Can Be a Concern
Insurance companies may have requirements for pools and hot tubs, including safety features that help restrict access. Depending on the carrier, this could include a qualifying barrier or safety cover.
If a pool or hot tub is easily accessible without appropriate safety measures, it could affect the property’s eligibility with most insurance companies.
What If the Pool Is Empty?
An empty swimming pool can also raise questions during the insurance application or inspection process.
The condition of an empty pool may be considered when the insurance company reviews the property and determines whether it meets its underwriting requirements.
The same principle applies when a pool has not been maintained or is no longer being used.
What Should Homeowners Do?
If your swimming pool or hot tub is:
- Not properly secured
- Empty
- Not operational
- Damaged or under repair
- No longer being used
Let your insurance agent know.
The carrier may request photos, or additional information about the pool, its condition, and its safety features before determining eligibility.
Being upfront about the condition of the pool can help avoid surprises during the application or underwriting process.
Insurance Requirements Can Vary by Carrier
There is no single set of underwriting requirements that applies to every insurance company. One carrier may accept a property that another carrier will not.
That’s why it’s important to discuss your pool or hot tub with your insurance agent when shopping for homeowners insurance or making changes to your property.
Need Help With Florida Home Insurance?
At HomeInsuranceFlorida.com, we work with multiple insurance carriers and can help homeowners explore available home insurance options based on their property and individual circumstances.
Coverage, eligibility, requirements, and availability vary by insurance company and policy. Contact a licensed insurance agent to discuss your specific property.