Does Homeowners Insurance Cover Pool Leaks?

WRITTEN BY: Mark Romero


It’s a terrible feeling when you head outside to take a dip in your pool, and its six-foot depth has suddenly shrunk to five. It can be a stressful ordeal, but proper knowledge of the problem is usually easy to fix. 

Pool leaks are common, especially in older pools, as regular use can cause cracks in the pool surface over time.

If you don’t see any significant cracking in the surface of your pool, it might also be your pump causing the problem with a broken motor. Our guide will help you determine what you should do about your leaky pool.

Finding the Leak

You can confirm the leak by tracking the water levels in your pool. The easiest way to do this is with tape along the edge of the waterline. If the water drops below the tape, then you have a leak.

Once you’re sure you have a leak, you can narrow down the cause. The two main causes of pool leaks are equipment failure and surface cracks.

Checking the Equipment

If your pool only seems to leak when you’re running the pump, it’s a good indicator that your problem isn’t a crack in the pool surface. It may seem odd that a pump could cause a pool to leak so much, but faulty pressures could cause water to escape from the system.

If this happens, it’s likely your yard might have a few wet spots near the pool where the water has shot out or escaped. 

Try keeping your equipment off to see if this is the issue. If your pool maintains its water level, then your equipment probably isn’t to blame. 

Surface Cracks

If your pool has a crack somewhere along the surface, the water will leak until it reaches the crack. If you’ve ruled out your equipment and your pool is still leaking, a crack might still lie under the surface.

However, it’s also possible that your pool has stopped leaking, which means it might already be at the same level as a surface crack. You can experiment by using food coloring near any suspected leak areas. You’ve found your leak if the dye is sucked up quickly. 

After you’ve made the first few basic checks, it’s probably time to call out a professional to help you find the leak. Not all leaks are easy to find; sometimes, very tiny cracks can cause huge problems over time. 

Does Home Insurance Cover My Pool?

There are so many different types of insurance for your home that it can be tricky knowing which one covers what. You might not even be covered in some cases, but let’s not give up hope. Your homeowners’ insurance may cover your particular pool leak. 

Does Flood Insurance Cover a Pool Leak?

We’re sorry that you probably shouldn’t call your flood insurance company regarding your pool leak.

If you had the opposite problem and your pool was overflowing from rain, you might have a case, but flood insurance is generally aimed toward natural disasters.

Even if your pool leak causes flooding elsewhere on your property, a flood insurance company will likely not be your friend. This doesn’t rule out all of your options, though. 

Damaged By Weather? You Might Be In Luck

If your pool was damaged by a catastrophe already covered by your homeowners insurance, you might be in luck.

If the last storm that rolled through town knocked a tree down into your pool, your insurance company could be liable to repair the damage done to the pool.

Depending on your pool type, this coverage can come from your property or other dwellings.

Wear and Tear? Probably Not Covered.

If your pool leak has been caused by simple wear and tear, it’s unlikely that your homeowners insurance will foot the bill. In rare cases, homeowner policies aren’t usually liable for damages caused by usage over time, and the pool is not one of those exceptions.

Damage Beyond Your Pool:

if your pool leak has caused damage to other portions of your home, those damages might be covered even if fixing your pool is not.

If the leak is causing damage to other portions of your home, it’s extremely important to have a professional come out to make a fix as soon as you can.

It’s beneficial to discuss options with your insurance company, but generally, you want to stop additional damage from occurring in the future.

Insurance companies tend to deny claims if the homeowner lets them go on unchecked for too long, so beware and be ready to fix the problem if you notice additional damage occurring.

How to Get Quotes for Home Insurance That Covers Pools

If you’re experiencing a pool leak, don’t panic! Many solutions are available, and most pools can be repaired relatively easily. If you want to shop quotes for home insurance covering your pool, give us a call. Or, complete our online quote form here to see policies available in your area.