Private swimming pool in Luxembourg: installation, safety and insurance
Investing in a private swimming pool has many advantages. Firstly, a private swimming pool can significantly increase the value of your property. Potential buyers are often attracted by the presence of a swimming pool, which can facilitate a future sale.
A private swimming pool also offers a space for relaxation and leisure at home. You can enjoy the joys of swimming with your children without having to travel, which is particularly enjoyable on hot summer days.
Finally, it allows you to practice sports activities such as swimming, which are beneficial for health and well-being.
Before installing a private swimming pool, it is crucial to properly prepare the project:
- Choose your location – the minimum distance obligations from the neighborhood and any height restrictions must be observed.
- Consider the size of the swimming pool based on the space available in your garden.
- Request a building permit from your municipality of residence.
Provide all the necessary equipment:
- a cleaning filter;
- a swimming pool shelter for safety and cleanliness;
- a heating system.
This equipment is essential for maintaining clean water and a pleasant temperature. Models vary depending on the size and type of your pool.
Finally, provide safety devices that comply with current standards. These measures minimise the risk of drowning and guarantee a safe environment for the whole family.
Even in the absence of strict regulations in Luxembourg, the safety of your private swimming pool remains a priority. Among the different safety devices, you can choose:
- protective barriers;
- a swimming pool alarm;
- a safety cover;
- a swimming pool shelter.
Barriers around the swimming pool remain the most effective safety device. Many cases of drowning could be avoided with a four-sided fence to separate the swimming pool from the house and garden. Alarm systems are also an effective alternative. These alarms, placed in or around your pool, detect any intrusion and trigger a siren to alert nearby adults.
Furthermore, to guarantee the safety of children around your swimming pool, it is important to always accompany them when they swim and never leave them alone near the water, even for a moment.
We recommend that you carefully check that your pool is insured to protect your investment in the case of an unforeseen event.
Indeed, an incident can happen quickly:
- A short circuit can damage electrical equipment linked to the swimming pool.
- A storm can damage pool equipment, such as the pump, filtration system or cover.
- An act of theft or vandalism
For owners of a private swimming pool, our Home insurance can be enhanced with a garden/swimming pool all-risk pack, which covers:
- your swimming pool, spa or outdoor or indoor jacuzzis, their surroundings and their supply pipes
- the dome and cover of your swimming pool as well as the safety elements
- electrical devices related to the operation of the swimming pool
In addition, it is essential to take out additional civil liability insurance. Civil liability insurance protects you if people are victims of accidents in your private swimming pool. This guarantee is also available within the Home insurance contract.
In general, when you carry out major work in your house or in your garden, remember to contact your insurer to reassess your home insurance contract and declare your swimming pool, in order to ensure that the contents of your property are insured. its fair value in the event of damage.
In general, when you carry out major work in your house or in your garden, remember to contact your insurer to reassess your home insurance contract and declare your swimming pool, in order to ensure that the contents of your property are insured. its fair value in the event of damage.
Text initially published in August 2024 and updated in July 2025
In Luxembourg, there are no laws or regulations governing specific safety measures for private swimming pools. However, safety remains a priority in accident prevention. It is therefore advisable to install a barrier around the pool, a fall detection alarm or a rigid cover.
Combining several safety devices provides maximum security for your pool. An automatic cover coupled with a detection alarm provides effective double protection. For families with children, a rigid, lockable barrier supplemented by a bar cover is a good solution.
The owner of a private swimming pool is liable in the event of an accident on their property, even if the victim entered without permission. Home insurance with civil liability cover provides cover for bodily injury and property damage. Adult supervision remains essential, particularly for children under the age of 5, who account for the majority of accidents.
Baloise Home insurance naturally covers your swimming pool and its equipment if you have taken out the comprehensive garden/swimming pool package. The cover extends to technical installations, the pump, the filtration system and the lining. We advise you to check the insured amount to ensure that it corresponds to the actual value of your installation, including fittings such as lighting and heating.
Protective equipment represents a variable investment depending on the level of security required. For smaller budgets, detection systems (from €200), bar covers (at least €500, depending on the size to be covered) and safety barriers (from €500 depending on the materials) can be a good compromise. Automated roller shutters and pool enclosures are much more expensive.