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Posted By: shane

I work for an insurance company here in Dallas. Insurance companies do underwrite the policy with regards to if you have a pool and if there is a fence, diving board, and if there is a slide. Insurance companies will not write a home that does not have a six foot fence around the pool and/or a slide for the pool. Many of the companies will not write a home that has a trampoline. We have had more claims with regards to a trampoline than a pool. When an umbrella is written by our company, the only people that know that this policy exists are myself, the customer and the umbrella department. So this protects the customer if an attorney has an inside track to our company when finding out how much liability the customer has. The guy that said that the premium increases if you have a pool is incorrect. There is not a surcharge to the policy for this. Liability automatically comes with the homeowners policy. To increase from $300,000 to $500,000 would be an additional charge of $6 a year.
I would suggest that everyone do this regardless if you have a pool or not.

Shane