Pools Are Attractive Nuisances
In insurance parlance, pools are considered "attractive nuisances." As Investopedia explains, attractive nuisances are things on your property that children find appealing or enticing but are potentially hazardous to kids.
You Must Protect Children from Attractive Nuisances
As a homeowner, you're responsible for protecting kids from any attractive nuisances on your property. You aren't expected to maintain an armed guard around-the-clock to watch your pool, but you will need to install something that prevents children from entering the pool unsupervised.
If your homeowners policy covers a swimming pool, it will likely have a clause mentioning this. Should you fail to install an obstacle around your pool, your insurance company might not pay on any claims related to your new pool.
Fences Are Perfect Obstacles
Fences are the most common way of preventing unsupervised children from accessing an outdoor swimming pool. They are
affordable attractive effective
When you want to use the pool, it's not difficult to go through a gate. As long as you keep the gate locked when you aren't using the pool, children will have to climb over the fence to access the pool. Teenagers may be able to jump your fence, but, if something happens, you'll at least have tried to prevent kids from accessing your pool when an adult isn't around.
Insurance companies don't expect you to make it impossible for children to access an attractive nuisance, but they want you to make it difficult. According to Hurricane Fence Company, a fence meets most insurers' requirements, as long as the fence
isat least 48 inches tall hasa mid-rail that sits at least 45 inches above the bottom rail hasa bottom rail no higher than 4 inches from the ground hasbars no wider than 4 inches apart hasa self-closing gate that opens away from the pool and is 54 inches from the ground
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