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Does Homeowners Insurance Cover Pool Accidents in Florida?


Kids swimming in the swimming pool during summer.

Do you know that home swimming pools in Florida are almost as common as alligators? Statistics indicate the figure as 1.2 million vs. 1.3 million. Similarly, these swimming pools can be just as dangerous as the alligators.

In the past 20 years, authorities in Florida have recorded more deaths due to swimming accidents than deaths caused by an alligator attack. In addition, Florida has the most death records from swimming and drowning than any other state in the united states. More so, drowning is the number one cause of death of kids under four years in the state.

Our attorneys at Schrier Law Group will tell you that homeowners insurance policy will cover damages that may arise from swimming pool accidents. However, that doesn’t dispute that filing for claims may still be challenging. A knowledgeable and competent home insurance attorney on your team will simplify and ease your case, ensuring you get the compensation you deserve. In cases with severe injuries, you don’t want to risk negotiating with a new insurance company.

These days, many insurance companies are most bothered about making the most profit for their clients while neglecting policyholders who may need insurance coverage after a home accident.

Common Swimming pool Accident Injuries

Only a handful of injuries may result from a swimming pool drowning. Below are some of them.

Traumatic Brain Injury:

Traumatic Brain Injury results from blunt trauma to the head. In, out or around the swimming pool, Traumatic Brain Injury is a result of slips and falls, wrong diving and horseplay.


Water and electricity should be kept apart. The consequences are severe when they should come together. Well, thanks to technology, we have less to worry about regarding this. Many devices these days are water resistant, and as a result, there is little chance of electric shock when they come in contact with water. We can find some of these devices in swimming pools, and in some cases, they pose a serious threat to the homeowner – especially in terms of electrocution. Improper wiring of a bad electric device in the pool can cause a surge of electricity in the swimming pool and may result in electrocution.

Spinal Cord Injuries:

This is another injury that may result from a slip and fall around the swimming pool.


This is a common one, and children are popular victims. Adults can also e a victim of swimming pool drowning. This could happen when the swimming pool is not properly secured from kids.

Were you a victim of any of the aforementioned injuries? Is it your loved one? Call the best home insurance lawyer in Florida now at Schrier Law Group.

What Type of Injuries Does Florida Home Insurance Policy Cover?

Injuries or deaths covered by the proprietor’s home insurance depend on the policy’s language. In addition, if there is a pool in the home and the homeowner has insurance, the policy should cover injuries that may result from an accident in the swimming pool.

However, such policies will require homeowners to install specific safety measures around the swimming pool. Some certain requirements and conditions must be met before installing home pools.

Generally, swimming pools can be classified as an attractive nuisance. This means that it will be the basic intact of many young individuals to enter – with or without permission. In the event that this happens, in the state of Florida, the homeowner will be held liable, even if the child was trespassing. This is because homeowners are expected to always expected to secure such attractive nuisance, especially from kids.

Does Any Other Insurance Coverage Apply?

With the right home insurance attorney, you can rest assured of maximum compensation and benefits, including from other insurance policies. For instance, suppose the property owner has an umbrella policy. The policy covers an extra $1 million in liability protection in this case. However, we have to read through the language in the contract thoroughly.

Furthermore, the homeowner can be held liable if the damages are greater than the amount all applicable policies can cover. The case may be worthwhile if they are negligent and possess enough personal assets.

If you, your kid, a relative or a friend are injured in a Florida swimming pool accident, don’t hesitate to contact us at Schrier Law Group for the best home insurance attorney.

Read Our Reviews

Schrier Law Group is rated 5 out of 5.0 stars based on 22 review(s).


My name is David and I’ve been represented by mr. Schrier law firm twice in my life and I got nothing more then good things to say about them they are very professional and they really Take their clients I really recommend them every time I called them they were always there for me especially the attorney he’s very professional and he got me the money did I deserve by representing me and fighting for me I will use their services again them no questions asked if I ever need them to me they are the best God bless them all

David Cuello


The firm is super professional and handled my husbands vas amazingly. I should refer them to some in need of an attitude.

Isabel Sabrina De Ramirez


The Schrier Law Group are hands down the best and should be your go to for all your legal troubles. They are such professionals; efficient, persistent and don’t take no for an answer. Thank you so much Chatriece, Geissie, Paul & everyone at Schrier Law Group for your patience and making my win possible!

Marika Ford


Shrier Law Group extremely thorough. A really caring Law Firm. My previous lawyer sat on my case for 2 years did nothing with it by chance came across Mr Paul schreier firm and explaining my case he noticed I was not hopeful but he was able to encoirage me and was able to resolve my case within a year I'm so grateful for Mr Paul Schrier and Mrs Chatrice. They go above and beyond. 20⭐

West Jean


I must say that Mr. Schrier was there when we needed immediate advice after my wife got rear-ended by an unlicensed speeding lunatic. We called a handful of attorneys in our area, but after waiting 2- 5 days they would drop her case. We found Mr Schrier online and he explained the pros/cons and he took the case. We waited patiently, and in time he was able to tracked down the actual owners of the car and get their auto insurance info!

Gerard Avalos


The firm pays close attention to locating every possible insurer liable for my injuries. They return my calls in 24-48 hours. Friendly staff who care.

Mr K


Attention to detail with the different insurance coverages. Returned my phone calls, which is very important.

David Kuczenski


This is one of the best law office in Miami come in and check them out great people

Rowdy Martinez


Best attorney in South Florida

Fefe Alex


Was a wonderful experience getting through a tough process!

Edward Pawley


Both my wife and I feel grateful for the treatment and the professionalism of the staff. Maritza is great doing her job. It is the second time that I request your services and we are pleased and grateful. Many blessings to this Law Firm

Reynier Perez


Awesome wonderful patient Intelligent thoughtful Paul is the best

Theresa Caprice Caprioli


Thank you so much for going above and beyond what I had ever anticipated. It was truly a pleasure to work with you all, especially Chatrice. I will most definitely refer The Schrier Law Group to my family and friends.

Cat Breen


The Schrier LG is an excellent firm! They accepted my case, provided me with all the procedural information, maintained a high level of professionalism while showing kindness and care. The doctor's office that they suggested is another group of kind and considerate individuals, dedicated to my full recovery. I would recommend the Schrier Group to friends, just as they were recommended to me. I am happy with my settlement and very pleased with the attention and diligence of the group as a whole. Thank you again!

Michaela Davis


Mr. Paul Schrier is by far the best attorney for the job! He is very responsive, knowledgeable, and very efficient. Despite my very busy schedule, he kept me informed throughout the process. I am very please with the outcome of my case. The customer service I received from the entire team has been amazing! Thank you all so much!

Ms. Jean


Not only did I get a phenomenal attorney to represent me in my case, but I also got a step by step education on how the legal process actually worked. I was encouraged to ask questions and be an informed client. I was never treated like a case. I truly felt like the advice and recommendations he gave to me would have been the same he would have pursued if he were the client. That was important to me. I needed to work with an attorney I could trust with my best interest in mind...and that is what I got with Paul Schrier.

Juan Rodriquez


I was involved in an auto accident in January 2016. We decided to contact Paul K. Schrier, PLLC for legal advice. He never got annoyed with me calling to ask questions, which was quite often. We have finally reached the final stages of this case, which they handled very well, and have come to a settlement. I highly recommend the Florida personal injury attorneys at The Law Offices of Paul K. Schrier, PLLC, especially Paul K. Schrier to any one who needs a personal injury attorney. Thank you very much Paul for everything you have done do me.

Martin Tyler


I called to ask some question about a car accident I was in. I spoke to Paul who was very helpful, honest and professional. It seems that he really care about clients. I appreciate all that Paul did and would certainly recommend to anyone who needs an attorney.

Mark Anderson


Best attorney around , I went through a lot of different ones before finding his law firm very professional and they make sure you get paid what you deserve, highly recommend.

Braulio Duran


Thank Paul for everything your personal injury law firm has done for my case as well as my daughter. Thanks for all the hard work and attention. Thanks again!

Maria Jaz


Schrier Law Group is the best.

Chatrice Telfort


Great job! I loved working with Paul.