A swimming pool can be a great asset to your home: a cool, relaxing haven in hot weather, a place for entertaining, a spot where you can get some healthy exercise and a source of added home value. Owning a pool also involves some risks and responsibilities, and it’s often the seemingly obvious safety measures that people forget to take. If you’re installing a pool, these basic steps may help prevent some unfortunate poolside events:

Install fencing, barriers and lockable gates so that no one can get into your pool area without your knowledge.
Make sure that any children using your pool are properly supervised by a responsible person.  It only takes a minute’s inattention to lose sight of a child. 
Never allow electrical appliances like radios and CD players be used near the pool. 
Inspect the pool and its surroundings for hazards, and remove items such as toys or glass bottles that could cause injury.

If you are considering installing a pool, it’s important to be aware of the insurance implications of pool ownership. An in-ground pool is an expensive structure and many above-ground pools have price tags of thousands of dollars. Consider increasing your home insurance coverage to factor in the cost of replacing your pool if it is destroyed in a storm or other disastrous event.  

Another issue is liability. Most Maine home insurance policies offer some liability protection, but owning a swimming pool increases the risk of a third party being injured on your property, so if you currently have only a low level of coverage, give some thought to increasing your liability protection.