Understanding Pool Coverage Options In Home Insurance Policies

WRITTEN BY: Mark Romero


Owning a swimming pool brings joy and responsibility. And part of that responsibility is understanding pool coverage options in home insurance policies so you purchase the right options. This article explores different types of pool coverage, including additional options like liability and equipment coverage, factors influencing costs, and tips for choosing your coverage.

Understanding pool coverage options in your home insurance policy

Pool coverage options are typically pretty straightforward and easy to understand. However, they can vary depending on the policy terms and carrier options. Because of that, you need to read through your policy to make sure you understand exactly what’s covered.

How is pool coverage typically structured?

Pool coverage is typically structured as part of the other structures coverage in a homeowners policy. This means that damage to your pool would be covered up to the limits of your other structures coverage.

Other structures coverage typically includes coverage for detached structures on your property, such as sheds, garages, and gazebos. The specific limits of coverage for other structures will vary depending on your policy.

The exception to this is if you’re insuring an above-ground pool. In this case, depending on the type of above-ground pool and value, it might be covered under your personal property coverage.

What are some common exclusions?

There are some common exclusions to pool coverage. For example, most policies don’t cover damage caused by:

  • Freezing
  • Wear and tear
  • Intentional damage

It’s important to read your homeowners insurance policy carefully to understand the specific exclusions for your pool.

How much coverage do you need?

The amount of pool coverage you need depends on the size and value of your pool. You should also consider the risks associated with your pool, such as the number of children who use it.

A good rule of thumb is to have enough pool coverage to rebuild your pool if it were to be destroyed. However, you may want to consider having more coverage if you have a high-value pool or if you live in an area with a high risk of pool damage.

Different types of pool coverage available

There are a number of different types of pool coverage options available, including:

  • Other structures coverage: This covers damage to your pool, as well as other detached structures on your property. The specific limits of coverage for other structures will vary depending on your policy.
  • Personal property coverage: This covers personal property that’s damaged or stolen from your pool area, such as pool furniture, toys, and equipment. It may also cover your pool if you have an above-ground swimming pool.
  • Liability coverage: This coverage protects you from financial liability if someone is injured at your pool. It includes medical expenses, legal fees, and pain and suffering. 

Other coverage options for pools

In addition to the basic types of pool coverage, you might want to consider umbrella insurance. This provides additional liability coverage above and beyond what is typically included in a homeowners policy. In most cases, you have to carry both home insurance and auto insurance with a company to get an umbrella policy.


Are pools considered other structures on homeowners insurance?

In-ground pools are covered under the other structures portion of your home insurance policy. In most cases, above-ground pools are also covered under other coverages. The exception is if you have a small, inflatable above-ground pool. Those are covered under your personal property coverage.

Is a pool cage considered part of the dwelling?

If the pool cage is attached to your home, it’s covered underneath your dwelling coverage. If not, it’s covered under your other structures coverage.

Does homeowners insurance cover pool freeze damage?

Freeze damage to your swimming pool is typically excluded from your home insurance policy. That’s why it’s important to winterize your pool and check on it several times throughout the season to make sure snow and ice aren’t putting extra weight on your pool.

How to choose the right pool coverage options for you

Pool coverage is an important part of any homeowners insurance policy. By understanding the different types of pool coverage available, you can choose the right coverage for your needs. If you want the best coverage possible for the cheapest rates, use our online comparison tool to get free quotes today.

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