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Household contents
Private liability

Which policy covers damage to your personal water oasis?

A pool or a sauna is a major acquisition which requires a lot of thought. And nor should you forget, once your personal oasis has been created it should also be properly insured, because not every case of loss or damage is covered by your buildings or household contents insurance.

12 february 2020, text: Mirjam Arnold, photo: Unsplash

A woman floats relaxed in a pool on the water.
With the correct insurance you are protected against costs incurred as a result of loss or damage associated with a pool or a sauna, so you can sit back and relax.

When insuring a sauna or a pool, there is an important distinction to be made. They can be either permanent/firmly anchored installations or mobile items.

Sauna and pool as part of household contents

When you set up a jacuzzi or a pool which is not firmly anchored to the ground, any damage to the pool (such as storm damage) is covered by your household contents insurance. The same applies to a sauna cabin. You should remember that the sum insured for household contents may have to be adjusted after you buy one, so that you are not under-insured. Otherwise you must expect reduced benefits in the event of a claim.

Firmly anchored pools require additional insurance.

You can include a pool which is firmly anchored in the ground in your household contents insurance with the “Building Surroundings” supplement. With this supplement your pool is covered against fire or natural forces, for example a storm, at full replacement value.

Pool as a cause of loss or damage

If your firmly anchored pool causes water damage, your own losses are covered by your buildings and household contents insurance. The same applies to pools with a connection to the water supply. If you have a mobile pool without a connection to the water supply, the escape of water is in principle not insured.

Buildings insurance covers a permanently installed sauna

A permanently installed sauna room falls into the same category with regard to insurance as a heating system, sanitary installations or electrical systems. This means that the sauna is considered to be a component of the home and so is covered by the buildings insurance.

When does liability insurance meet any claims?

When a pool is used correctly there must in principle be no risk of harm. For that reason, following the construction or installation of the pool, its owner is also responsible for its maintenance. This includes, for example, the regular filtration of the water or the removal of leaves and algae. If a third party suffers an injury, the pool owner’s liability insurance must meet this claim. The owner can only be relieved of liability if he/she can prove that the injured party was him/herself responsible for the accident.

A “Bathing Prohibited” sign is not adequate

Every case is considered individually. A notice bearing the words “Bathing Prohibited” is rarely adequate to avoid liability. In fact in the case of children it is not possible to assume that they will act in a cautious and conscientious manner. For that reason it is advisable to fence the pool in and to lock the gate or to cover the pool when there is no one present.