Insuring your new pool in Belgium: what homeowners need to know

Congratulations on your new pool! Whether it’s for relaxation, exercise, or simply beating the summer heat, a pool is a fantastic addition to any home. But with such a significant investment, it’s crucial to understand the insurance implications to protect your asset. So, is it possible to insure your pool in Belgium? Let’s dive in.

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Indoor Pools: What You Need to Know

Building a New Annex with a Pool: If you’re constructing a new annex that includes an indoor pool, it’s essential to notify your insurance company. The reason? The insured value of your property will likely increase due to the added structure and amenities. To determine the new value, an inspector from the insurance company will typically schedule a visit.

Adding a Pool to an Existing Annex: The process remains the same even if you’re retrofitting an existing annex with an indoor pool. Inform your insurer, and they’ll adjust your policy accordingly.

Outdoor Pools: The Distinctions Matter

Inflatable or Portable Pools: For homeowners with inflatable or portable pools, the conventional home insurance policy might not cover them as "pools." However, they will be considered under the contents of the home, ensuring some level of protection.

Permanent Outdoor Pools: If you’ve opted for a permanent structure, whether it’s an in-ground pool or an above-ground non-movable pool (like those with wooden frames), the scenario changes. Such pools will be integrated into the building portion of your insurance policy. As with indoor pools, this means the insured value of your property will increase, reflecting the value of your new pool. It’s imperative to notify your insurance company about this addition.

The "Pool Pack" Insurance Option

Some insurers in Belgium offer a specialized "Pack Piscine" or "Pool Pack." This comprehensive package is designed specifically for pool owners, providing an all-risk coverage tailored to pool equipment.

What’s Covered? This package ensures the pool’s liner, cover, and mechanical components. It also extends to potential solar collectors and technical equipment like heat pumps and filtration systems.

Accident Coverage: One of the standout features of the "Pool Pack" is its coverage for accidents occurring in and around the pool. This includes medical expenses for injured individuals and compensation in cases of disability. Given the risks associated with pools, especially if you have children or frequently host pool parties, this additional coverage is worth considering.

Conclusion: Making a Splash with the Right Insurance

Investing in a pool is exciting, but it’s essential to ensure it’s adequately protected. By understanding the nuances of pool insurance in Belgium and choosing the right coverage, homeowners can enjoy their aquatic oasis with peace of mind. Whether you’re taking a leisurely swim, hosting a poolside barbecue, or watching the sunset by the water, knowing your pool is insured lets you focus on the joys of pool ownership.