Diving Boards & Homeowners Insurance: What You Need to Know

Diving Boards & Homeowners Insurance: What You Need to Know

When it comes to enjoying the warm summer months, few activities beat the thrill of diving into a refreshing pool. If you have a swimming pool in your backyard, you might be wondering if your homeowners insurance covers diving boards. These pool additions can be a lot of fun, but they also pose a risk of injury and liability. If you’re considering adding a diving board to your San Diego swimming pool, read on for answers to some common questions about diving boards and homeowners insurance.

Why Diving Boards Are Risky

Diving boards can increase the risk of accidents and injuries in your pool. Some of the potential hazards that can occur when you use a diving board are:

  • Hitting the bottom or sides of the pool
  • Hitting another person in the pool
  • Falling off the diving board
  • Slipping on the wet surface
  • Hitting the diving board with your head or body

According to the U.S. Consumer Product Safety Commission (CPSC), diving boards are involved in about 6,000 emergency room visits each year. Most of these injuries are head, neck, and spinal cord injuries that can result in paralysis or death.

How Insurance Companies View Diving Boards

Insurance companies consider diving boards an attractive nuisance, which means they’re likely to attract children and other visitors who may not be aware of the dangers or follow safety rules. As a result, insurance companies may charge higher premiums, limit coverage, or exclude diving boards from policies altogether.

Some insurance companies may require you to have certain safety features in place before they cover your diving board, such as:

  • A fence around your pool with a locked gate
  • A sign that warns about the risks of diving
  • A depth marker that shows how deep the water is
  • A lifeguard or adult supervision at all times
  • A no-diving rule for children and inexperienced swimmers

Other insurance companies may refuse to cover your diving board under any circumstances, especially if you live in an area with a high rate of pool accidents or lawsuits.

Checking Your Existing Homeowners Insurance Policy

Reviewing your current homeowners insurance policy is the first step in determining if diving boards are covered. Policies may vary significantly, so it’s essential to examine the policy’s terms and conditions, exclusions, and any endorsements related to pools or recreational structures.

Considerations for Pool Insurance

If you have a diving board, your homeowners insurance may require you to obtain separate pool insurance or endorse your policy to cover the pool adequately. Understanding these requirements and seeking appropriate coverage can ensure you have comprehensive protection.

Liability Coverage for Diving Board-Related Accidents

Liability coverage pays for medical expenses and legal fees if someone gets injured on your property and sues you, but diving board accidents may fall into a gray area. Some insurers may provide liability coverage for diving board accidents, while others may exclude them entirely. It’s important to consult with your insurance provider to clarify the extent of your coverage. 

Additional Coverage Options

In cases where homeowners insurance doesn’t provide adequate coverage for diving boards, it’s worth exploring additional insurance options. For instance, an umbrella policy can offer an extra layer of liability protection that extends beyond the limits of your current homeowners insurance. 

Risk Mitigation & Safety Measures 

Taking proactive steps to mitigate risks and enhance safety can prevent accidents and potential insurance claims. Ensure your diving board complies with safety standards, maintain the pool area regularly, and enforce rules for safe diving and pool usage.

Disclosure & Notification 

When installing a diving board, it’s crucial to notify your insurance company about this addition. Failing to disclose changes to your property could lead to coverage gaps or policy cancellations. Providing accurate information allows your insurer to assess the risks properly and advise you on any necessary adjustments.

By prioritizing safety measures and consulting with insurance professionals, homeowners can make informed decisions about diving boards while enjoying a worry-free summer by the pool. Whether you’re looking to update your pool’s existing features or you’re getting ready to build a brand-new pool in your backyard, make sure to work with the finest professionals in the industry. The expert team from San Diego Pools specializes in every aspect of pool San Diego pool construction and design. We’ve been designing and building pools for almost half a century, and we pride ourselves on our innovation and outstanding craftsmanship. To learn more about our exceptional service, give us a call today at 888-707-7786.

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