Insurance and Finance

Pool Safety

By Callie Leahy 7.27.15

Does the triple-digit heat have you spending time by your backyard swimming pool? Whether it’s above ground or in-ground, saltwater or chlorine, make sure you’re informed and protected before diving in.

Dallas-based Texas Farm Bureau Insurance Agent Darrell Allen says a good thing homeowners can do when adding a pool to their home is to increase their homeowners liability coverage, which he says is the least expensive portion of the policy.

Vigilant parental supervision is a must. In addition, Allen says policyholders should follow these tips to keep everyone swimming safely.

  • Make a short “OK to swim” list. Increasing the number of people in your pool increases your potential liability. Talk to your family about creating a short list of close neighbors and friends who are allowed to swim in your pool to protect everyone in the long run.
  • Enforce a “no running” policy around the pool. “Pools are a liability concern for slips and falls due to wet kids, wet feet, and wet concrete,” Allen says. So taking some extra time to walk around the pool is a paramount safety rule.
  • Keep trampolines away from the pool. “Some kids like to run off the trampoline to do extra flips, so make sure trampolines aren’t moved up next to [the pool],” says Allen.
  • Install a safety fence. Most cities in the state of Texas require safety fences around pools. While regulations vary from city to city, most safety codes require at least a 4-foot fence with less than a 4-inch gap at the bottom or between posts, with a self-latching gate. Check individual city codes for rules and regulations.

 The Pros and Cons of DIY Pool Fencing

Installing a pool fence yourself is definitely the most cost-effective option over hiring a professional, but this will require some research before heading to the home-improvement store.

Hiring a professional to install your pool fence comes with a handful of benefits. First, the regulations on pool fencing vary from city to city, so hiring a professional who knows the safety codes is a definite plus. Secondly, a professional can also obtain some custom fencing options that might not be available to DIYers. Lastly, like with any large purchase, there’s the option for warranties and maintenance programs.

For more information on installing a pool on your property or adjusting your insurance needs, visit or ask your local Texas Farm Bureau Insurance Agent.

Coverage and discounts are subject to qualifications and policy terms and may vary by situation. © 2015 Texas Farm Bureau Insurance