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  • Which policy covers damage to your personal water oasis?

    22.03.2022 | Nicole Erman
    A pool or a sauna is a major acquisition that needs to be properly insured – because not all types of loss or damage are covered by building or household contents insurance. For this, the right supplementary options are needed.
1201171410

Which policy covers damage to your personal water oasis?

22.03.2022 | Nicole Erman
1201171410
A pool or a sauna is a major acquisition that needs to be properly insured – because not all types of loss or damage are covered by building or household contents insurance. For this, the right supplementary options are needed.

Sauna and pool as part of household contents

A pool in your own garden for cooling down on hot days or a jacuzzi for relaxing in: no matter what your preference, it's important to have the right insurance. For your pool or jacuzzi to be covered in the event of damage caused by fire or natural forces such as a storm or hail, you need to take out the supplementary insurance option for “the area around the building”. The same applies for sauna cabins in your garden. If you also have a glass cover built for your pool, it’s worth taking out the supplementary option for “glass breakage”.

If – on the other hand – your pool were to cause damage (by water running out, for example), your own costs would be covered by your building and household contents insurance.

Building insurance covers a permanently installed sauna

For insurance purposes, a sauna room that is permanently installed in your house is treated in the same way as a heating system, sanitary installations or electrical systems. This means that the sauna is considered to be a component of the property and is thus covered by the buildings insurance.

Liability insurance for injuries to third parties

As the owner, you are responsible for maintenance following the construction or installation of a pool. This maintenance can be regularly filtering the water or removing leaves and algae. If – despite all due care having been taken – a third party is injured, your liability insurance will cover the costs unless it is proven that the injured party was themselves responsible for the accident, in which event you can be relieved of the liability.

But be careful: if the incident involves a child, different rules apply. Why? With children, it cannot be assumed that they will act in a cautious and conscientious manner, so a “Bathing prohibited!” sign is not enough. For this reason, it is advisable to fence the pool in, lock the gate or cover the pool when you are not around. And once you've taken care of these aspects, all you have to do is sit back and make the most of your pool.

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