Mary MacMannes
Mary MacMannes
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4 years ago
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Should I rent a house with a pool? Do I have to carry additional insurance or am I free from any liability?

what would happen if someone got injured in or around the pool? I wouldn't think that regular renters insurance would cover that. Would I have to carry another type of insurance or would the property manager's insurance cover it?

Also, about how much additional do you think a pool would add to utilities. It sounds ok and my kids would love it, I'm just concerned.
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Culver City Realtor
Culver City Realtor
Real Estate Professional
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4 years ago
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My suggestion is that you speak with the Lessor and take a look (or have your agent) at the Rental Agreement. That contract will outline all of your rights and responsibilities.

A swimming pool owner may be liable in drowning accidents that are the result of:
Poorly supervised pools
Risky behavior encouraged by the pool owner
Defective pools
Poorly maintained pools

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jennifer  amatulli
jennifer amatulli
Real Estate Professional
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1 Replies
4 years ago
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YOU SHOULD GET RENTERS INSURANCE TO COVER LIABILITY ITS NOT THAT EXPENSIVE AND YOU CAN GET A MILLION DOLLAR POLICY
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Barbara Levandoski
Barbara Levandoski
Real Estate Professional
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2 years ago
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I think renter's insurance will not cover, though, and physical injuries to guests (or their CHILDREN) if a horrid accident were to occur. They typically only cover property damage and/or loss to cover personal injury there needs to be a rider for such coverage and the cost of same varies from state to state. Here in California (law suit capital of the world ;=) ) it can be in upwards of $150 per month but WELL WORTH IT IF YOU EVER HAVE TO USE IT.

I am Barbara Levandoski, Realtor Studio City CA

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tiffany christianson
tiffany christianson
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3 years ago
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Ok, its so frustrating that real estate professionals don't even seem to understand umbrella policies. An umbrella policy just increases the limits of an existing liability policy- which means it may not be necessary to purchase one AT ALL. Renters policies (which can include liability) are notoriously cheap, so yes, you should get one b/c it can be as little as $10 a month. But, finding a an insurance company that will cover ALL pool related accidents is be impossible- but some do cover a very reasonable amount. Start by speaking to insurance agents that you trust and ask for quotes from several different companies. Once you have a few competitive prices, get the agent to find the specific verbiage in the policy form that explains how the policy they are selling you will cover pool accidents. If they grumble or say they can't find it, move on, they are not interested in helping you, b/c it is always there. The key here is finding an agent you trust and being able to tell them specifically what you need and want out of your renters policy.

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Angel Eye
Angel Eye
Browsing Housing
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4 years ago
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i have bought that house so i have a question about Hall how i can book the hall for party ??

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Realty Group CT - Guerra Realtors
Realty Group CT - Guerra Realtors
Real Estate Professional
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3 years ago
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If you rent a house with a pool, the landlord's home owner insurance does cover liability along with the number of people who are renting the home. However, it is a common practice that when renting a home, the home owner will require you, the tenant, to also have renters insurance. This means if you intend on using the pool, that will also be under your renter's insurance coverage. My advice is to speak to an insruance agent so you know the laws in your state and also - always get renters insurance - pool or no pool. A landlord is not renting the pool to you, only the home - which means if you intend to use the pool, be sure it is written in your lease and never "assume" the landlord's homeowners insurance will cover your use of the pool, especially if you have an outdoor party with guest that do not reside in the property.

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Barbara Levandoski
Barbara Levandoski
Real Estate Professional
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2 years ago
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Yes a little of all of the above are true. Like the property owner's home owner's insurance being in play. But, if the property is an income property for the owner, there may be certain exclusions in their policy that you may not have privy to. Also, most Renter's insurance policies cover only property damage or loss, not personal injury. So, I recommend to err on the side of caution. Purchase a rider to your renter's policy that covers personal injury to any guest (and their children) that might visit you. (Remember the boy who died at Tommy Lee's son's birthday party) Hopefully you will NEVER have to make a claim but it if you ever did have the need you wont be paying to make a unforseen tragedy "right" until the day you die.

Answered by Barbara Levandoski, Realtor Studio City CA

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Rich Ferretti
Rich Ferretti
Real Estate Professional
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4 years ago
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Best Advise...call your Insurance Company to discuss your concerns. Sometimes they offer an umbrella policy...
Rich Ferretti
Charlotte NC Real Estate Professional

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gregg alexxa
gregg alexxa
1 Like
0 Replies
4 years ago
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many towns require the pool be completely fenced in....provides safety for kids and animals of a curious nature. cost is wholly dependent on pool size and how well it is maintained....in my experience an above ground 30' pool would add about $10 to $15.00 per month in added utility costs (water and electric). it has been worth it!

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Ishwar UttamChandani
Ishwar UttamChandani
Looking to Rent
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3 years ago
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Just buy an additional umbrella policy. Call your local insurance agent.

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