We're the #1 Pool Safety Barrier Provider in the U.S.

Homeowners Insurance Requirements: Do You Need a Pool Fence? [Ultimate Guide]

When it comes to home sweet home, we all want to ensure we’ve dotted our i’s and crossed our t’s. To some, this may mean having a cozy fireplace for those chilly winter nights, and to others, it might be having a spacious backyard complete with a swimming pool for those hot summer days. However, as the old saying goes, “with great pools, come great responsibilities.” One such often overlooked responsibility is the homeowner’s insurance requirements related to your private oasis, more specifically, whether or not you need a pool fence.

Now, don’t go off the deep end with worries, we’ve got you covered. This article will dive into the most frequent questions surrounding homeowners insurance requirements and pool fences. Whether you’re a new homeowner about to take the plunge into pool ownership, or a seasoned veteran looking to stay in the swim of things, we’re here to help you navigate the often-murky waters of insurance requirements.

Take the leap and read on, as we uncloud the mystery surrounding the seemingly complicated topic of pool fences and homeowners insurance. As you embark on this journey, one question that’s likely making a splash in your mind is, “Does insurance require a fence around a pool?” It’s a common concern, and rightly so. This question seems to stir up quite a whirlpool in conversations around pools and insurance. Rest assured, we’re about to dive into that very question and make sense of it all.


Swimming Pool Fencing – What Does Your Insurance Require?


Before we delve into specifics, it’s crucial to grasp the general mindset of insurance companies. You see, insurers aren’t just in the business of covering losses; they’re also about managing risks. The lower the risk associated with an insured item – in this case, your pool – the happier they are.


Understand An Insurance Company Viewpoint


From an insurance company’s viewpoint, a pool without a fence is a liability waiting to happen. Unsupervised access to a pool could lead to unfortunate accidents, and the potential cost of these accidents is something they’d rather avoid. That’s why they typically insist on pool fences as part of their coverage requirements.


Every Insurance Company Requires Pool Fencing


The phrase “every insurance company requires pool fencing” might seem a bit broad, but it’s not far off the mark. While the specifics can vary from one insurance company to the next, they almost universally advocate for pool fences as a risk mitigation measure.


Are Pool Fences Mandatory for Homeowners Insurance?


Indeed, it may seem like jumping through hoops, but as we’ve just touched upon, many insurance companies do insist on having a pool fence in place before issuing a policy. This requirement is their strategy to limit potential liability issues arising from unfortunate incidents related to unsecured pools. However, the specifics can vary from one insurance company to the next, so it’s a smart move to check with your provider.

Besides, while your insurance company might be the one enforcing the rule, many states and local jurisdictions have laws mandating pool fences. So, it’s not just about keeping your insurer happy, it’s also about staying on the right side of the law. Trust us, you don’t want to be caught in hot water.

does insurance require a fence around a pool: outdoor pool area fenced properly


What Kind of Pool Fences Are Acceptable?


Not all pool fences are created equal, and insurance companies are typically looking for specific types. While this might sound like splitting hairs, it’s important to remember that safety is paramount here. Generally, the fence should be at least four feet high, with no more than four inches between slats, and should be equipped with a self-closing, self-latching gate.

This may feel like jumping through hoops, but remember, it’s all about creating a safe environment. Check with your insurance company for their specific requirements, and while you’re at it, make sure to verify these requirements align with your local building codes too. It’s a double whammy, but it’s better to be safe than sorry.


Does Having a Pool Fence Lower Insurance Premiums?


Yes, having a pool fence can potentially lower your insurance premiums. Why, you ask? Well, it’s simple. A pool fence reduces the risk of accidents, and a lower risk means lower premiums. It’s a win-win scenario: You get peace of mind knowing that your pool is safer, and your wallet gets a break as well.

On the flip side, bear in mind that not having a pool fence can significantly hike up your insurance cost or even make it impossible to get a policy. And we all know that’s a road we’d rather not go down. So, it pays – quite literally – to play by the book.


Do Fence Rules Vary Between In-ground and Above-ground Pools?


The short and sweet answer is yes, there can be a difference. Typically, for above-ground pools, the sides of the pool can count as a “fence,” provided they meet certain height requirements. However, you’d still need to have a fence or barrier around the steps or ladder leading into the pool.

Meanwhile, for in-ground pools, a separate fence around the pool is a must-have. So yes, the type of pool you have can move the goalposts somewhat. Be sure to check with your insurance provider and local authorities to get the scoop on what applies to your pool.


What Happens if I Don’t Comply With Pool Fence Requirements?


Failing to comply with pool fence requirements is like playing with fire. First, your insurance company may refuse to insure your property or could cancel your existing policy. Furthermore, should an accident occur, the liability could fall squarely on your shoulders, and that’s a weight no one wants to bear.

Beyond insurance woes, remember that local regulations often require pool fencing. If you don’t comply, you could be slapped with fines or worse.


Can My Insurance Company Inspect My Pool Fence?


To put it bluntly, yes, they can, and they probably will. Insurance companies often conduct inspections to ensure that the insured property complies with their requirements. If you’ve claimed to have a pool fence, you can bet your bottom dollar they’ll want to verify that fact.

Remember, honesty is the best policy. If you’re straight with your insurance company from the get-go, there should be no surprises down the line. After all, it’s always better to be open than find yourself up the creek without a paddle.

does insurance require a fence around a pool: insurance company inspecting the pool

Secure Your Pool With the Right Fence Today!


A backyard swimming pool can indeed be a delightful retreat, but as we’ve dived into it, it certainly comes with its fair share of responsibilities. So, don’t just tread water; take the plunge, secure your pool with the right fencing, and bask in the peace of mind knowing you’re not only covered but also safe.

And speaking of picking the right fencing, we’re not just talking about any run-of-the-mill pool barrier, no siree! We’re discussing the crème de la crème of pool fencing solutions, brought to you by none other than Pool Guard USA.

Our Pool Guard™ fences are not just durable and strong, they’re the guardians of your backyard oasis. With a design that seamlessly follows the contours of your pool, these fences can be customized to fit any shape, even accommodating those tricky elevation changes. What’s more, our safety fences can be easily removed in a matter of minutes, transforming your deck when constant supervision is present.

Investing in a Pool Guard™ removable pool safety fence isn’t just a purchase; it’s a commitment to safety and quality built to stand the test of time. Our premium interlocking mesh, the first ever manufactured solely for pool safety fence use, is a testament to that commitment.

With over a quarter century of experience and thousands of pool fences, nets, and covers installed nationwide, our team of skilled installers is unmatched. They can design a safety solution for any pool, in any backyard. Thanks to our commitment to top-tier materials and workmanship, we can confidently say that a Pool Guard™ pool safety fence is the best way to keep your family safe.

After all, investing in a safety solution like Pool Guard™ is a mere drop in the bucket compared to the joy and tranquility your pool brings. So, here’s to making the most of your backyard paradise, safe in the knowledge that you’ve taken every precaution to protect those who matter most. Happy swimming!

Subscribe to Our Newsletter

Stay up to date on everything about Pool Guard USA.

Contact Dealer

Please fill out the form below with your information. Your local dealer will be notified about your inquiry.