A rental with a pool is a liability you own and do not supervise. Someone else controls the gate, the guests and the alcohol, and the claim still arrives at the owner.
An attractive nuisance does not care who the tenant is. The owner is generally drawn in regardless.
Three things about owning water you never see.
A drowning or serious injury claim typically names the property owner alongside the occupant. Whether you were present, and whether the tenant invited the person, is argued afterwards. The liability limit on the landlord policy is what stands there while that happens.
Arizona imposes pool enclosure requirements on residential property. A non-compliant barrier is evidence in a claim and can affect both liability and insurability. On a rental the owner cannot verify the gate daily, which is why the condition of the fixed barrier matters so much.
Diving boards, slides and unfenced pools narrow the market, and a few carriers decline rental property with a pool at all. It is an underwriting question to settle before buying a property, not at the first renewal.
The water and the fence around it.
Fixed safety features are the owner’s responsibility and the carrier will ask.
This is the exposure that most often exceeds a landlord policy limit.
Both narrow the carrier list considerably.
Tell us about the pool, the barrier and whether there is a diving board or slide.
We raise the liability deliberately when there is water on a rental.
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