Installing a pool or spa at home offers relaxation, fun, and gathering opportunities. However, it also adds a valuable asset to your property, one that deserves proper protection. Contrary to what one might think, your home insurance doesn’t automatically cover these installations. It’s essential to inform your broker as soon as you add a pool or spa so that your policy reflects this new reality.
Selecting the appropriate coverage starts with understanding your needs and your insurer’s requirements. Some companies require the pool or spa to be specifically mentioned in the policy. Others offer limited protections based on the type of installation or usage seasons. For instance, if you use your spa in winter, it’s crucial to verify that your current coverage includes off-season use.
J. Gérard Fortin & Associates’ experts can guide you through the available options and recommend the appropriate endorsements.
Quebec’s winters can be harsh, especially for outdoor installations. Specific coverage can prevent unpleasant surprises in spring.
Patios, heat pumps, stairs, and awnings may be covered, depending on your endorsement’s terms.
Incidents like falling branches or errant balls can cause damage. Ensure these risks are included in your coverage.
If you wish to use your spa even in winter, protect yourself against winter-related issues. Inquire about additional protections offered. Contact your broker at J. Gérard Fortin & Associates to ensure you’re covered.
In most cases, a prior inspection isn’t required, but some insurers may recommend it, especially for in-ground pools or spas installed for several years. Your broker can inform you of your insurer’s specific requirements.
Yes, your home insurance typically includes liability coverage, extending to injuries or accidents that may occur around the pool or spa. However, it’s essential to validate the limits of this protection.
No, pool/spa protection is specific to the property. If you relocate, you’ll need to inform your broker to ensure your new residence has appropriate coverage.