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I am looking for home insurance for a house with an empty/unused pool.
I have heard that insurance companies won't insure a house that has a pool that is unused. I'm not sure if I want to keep the pool and fill it or remove the pool (fill it with dirt) .
Do you think it would be possible to cover it someone and then get insurance?
Any companies that might provide insurance in this type of situation.
What does it matter if its full of water or not? If its got a fence you should be "covered". Then again, insurance companies are getting pretty damn ridiculous with they demands- I mean "coverage"!!!
I would call and ask the insurance companies about this. I am sure you will still need to pay the extra premium for having a swimming pool whether it is filled or not. In the long term, you'll have to make a decision because even if you don't use it, it will need to be maintained as far as the structure so taking that into consideration might help you make a decision that you wouldn't regret later.
Yeah , i'm going to call around and see. It hasn't been maintained for several years. I am not sure how appealing it would be as it's hard to say if most people would rather have a backyard area or a pool. The pool takes up the majority of the backyard space. It is an area that gets warm especially in the summer time so people might enjoy having a pool in that case.
Re fill or not fill, have you consulted a Realtor to see if a future buyer would expect homes in your neighborhood to have pools, or not ? Or would the lack of a pool cause the home to appraise lower than average ?
Fence or no fence is irrelevant, it's either a slip and hard fall and split your head open, or a soft fall and a chance to swim out. Insurance companies do not like empty pools.
Any state, county, city/municipality REQUIRE a fence around a pool. You would have to be pretty irresponsible to NOT have a fence- since you can't control the actions of others.
And who's to say that "soft fall" doesn't result in drowning?
Any state, county, city/municipality REQUIRE a fence around a pool. You would have to be pretty irresponsible to NOT have a fence- since you can't control the actions of others.
And who's to say that "soft fall" doesn't result in drowning?
Obviously from a person who has no insurance knowledge, nor can understand very well. And not all states, counties, cities municipality's require a fence around a pool.
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