Pool as part of household contents or building

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. There are two types of pools: built-in pools and those that are simply set up but are not fixed. For your built-in 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” in your household contents and building insurance. Sauna cabins in the garden can then be insured. If you also have a glass cover built for your pool, it’s worth taking out the supplementary option for “glass breakage”. Mobile pools can simply be added to your household contents insurance. Here, the entire sum insured for household contents must be amended.

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.