Why is my insurance company requiring us to add a fence around the pool?

Is there a way around building a fence? We just closed on our new home and the insurance company is giving us 30 days to have a fence put up around the pool. The prior owners didn't have a fence and I don't know why we need one. We don't have any small children in our home and we tend to be very careful people in general.

Answer
“Some backyard structures have a higher risk of injury and liability than others and can be deemed an attractive nuisance, which is why the home insurance company is concerned.
The attractive nuisance doctrine usually applies to children under the age of seven years old.
Since children in this age group can’t fully understand the repercussions of certain dangers, homeowners can be held liable if a child is injured or dies on their property if the property was not properly secured.
Structures like swimming pools and trampolines are considered an attractive nuisance. They tend to draw children in and attract their attention more than other outside structures like a gazebo or shed.
Even though you don’t have children, if a neighborhood child sneaks into your yard and gets hurt, or even if another adult is hurt trying to save them, you will be found at-fault due to negligence if you don’t build a fence.
These types of lawsuits are costly and upsetting for all parties involved. Building the fence now can save a lot of money and heartache for you in the future.
If the cost of your insurance seems high, consider using Jerry to help you find the best deals in under a minute. Jerry can even help you bundle your home and car insurance to help you save money.”
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Shannon Martin
Answered on Jul 26, 2021
Shannon is an expert in personal lines liability insurance with 13 + years of insurance industry experience. She also served as a special insurance liaison to AARP members for 6 of those years. She is a graduate of UL Lafayette and currently resides in NY with her family. Shannon is also an amateur juggler, ukulele player, and is a time travel paradox theory enthusiast.
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