swimming pool insurance

Above Ground and In-Ground Pool Safety

Regardless of what type of pool you have, safety should be one of your top considerations. According to the Center for Disease Control in 2014, children ages 1 to 4 years have the highest rates for drowning. And, they also found that of children ages 1 to 4 years who died of an unintentional injury, one-third died from drowning. It’s not just young children to be worried about. No matter what age, swimming pools have risks involved. If you are thinking about installing an above ground or in-ground pool, these are something to consider

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Risk of Drowning

The risk of drowning is higher for small children, but there are different factors to consider as well. Keep these in mind as there are risks of having a pool. Try to mitigate these risk:

  • Inability to swim
  • Barriers to the pool, such as fencing
  • Adult supervision
  • Use of life jackets
  • Alcohol use


All pools should have fencing. Install fencing around your above ground pool if there is a pool deck around the perimeter. Make sure fencing or a gate around the stairway or ladder leading up to the entry platform. 

For in-ground pools, there should also be fencing around the pool to prevent children and pets from getting in. 

Use a locking gate or a locking safety ladder to prevent children and animals from climbing into the pool unsupervised.

Pool Alarms

Even if you think your pool is secure, add in a pool alarm for extra protection. You may not hear someone enter the pool until it’s too late. A pool alarm will help alert you in case there is someone in the pools that should not be there – such as a child, pet, or unwelcome guest. In addition to a pool alarm, you can get alarms that sound when the pool gate is opened.


Never let children use the pool unattended. There should always be an adult supervising. It’s a good idea to have a clearly designated role to watch the children. Reassign this role when you need to step away from the pool area or are distracted by something else. Taking your eyes off children in the pool, even for a few minutes, can be dangerous. 

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Follow Safety Rules

As a general rule of thumb, follow general safety measures when around the pool. This includes:

  • No running near the pool
  • No diving
  • Don’t exceed the max number of swimmer that is appropriate for the pool
  • No animals in the pool
  • No glass bottles

Winter Safety

Just because it’s cold out, it doesn’t mean you can neglect pool safety! 

The best choice is to get a pool safety cover. These are mesh or vinyl covers that are stretched along the top of the pool to provide extra tension in case a child or pet accidentally climbs on. However, these aren’t used as often with above ground pools because they are anchored down.

In the winter, make sure that the access points to the pool are locked or inaccessible to children. 

Insurance For Pools

Pools are high risks. Accidents can happen, even if you do your best to help mitigate risks. Make sure that your homeowners insurance covers pool accidents. If you are installing a new pool, call up your insurance agent and let them know! Another great option is to add on umbrella insurance. This type of coverage helps extend your existing coverage limits. Talk to your insurance agent about the best ways to help insure your pool.


As you get ready for pool use this summer, take safety into consideration. Most safety tips are the same, regardless of the type of pool you have. For both above ground pools, and in-ground pools, safety should be top of mind. Make sure that you are prepared for the swimming season! Chat with an Encharter agent today to see how your insurance policies can help protect you.

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