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Is a Pool Covered Under Homeowner’s Insurance?

WRITTEN BY: Mark Romero


Swimming pools come with a lot of liabilities – both in the risk of someone getting injured at your pool as well as damage happening to your pool. At times, these costs can be expensive and often add up to serious damages. Luckily, swimming pools are covered under homeowner’s insurance policies. This add-on to policies ranges in costs and in what is covered. Continue reading to learn more about what type of swimming pool coverage you need.

Swimming Pool Coverage: Key Takeaways

  • Damage to both above-ground and in-ground pools can be expensive to fix, which is why homeowners might want to invest in additional swimming pool insurance.
  • Your homeowner’s liability coverage tales care of any costs associated with someone getting hurt in your pool, but only if they don’t live in your residence.
  • Implementing safety features helps protect your pool and keeps others safe from accidental injuries or drownings.

What Happens If Your Pool Is Damaged?

Pool damage can be caused by various things, but your insurance only covers perils listed in your policy. If damage is caused by an excluded peril, your home insurance company won’t pay your claim. Because of this, you need to know what type of damage is most likely to occur in your area.

Also, there are two types of coverage you can opt for depending on the type of pool you have. You either have a pool that is considered part of your home’s structure or one that is considered personal property. Your insurer decides which category your polls falls into. This determines what coverage you get and how the claims are paid out to you.

Typically, a swimming pool is considered part of your home’s structure if it’s an in-ground pool or an above-ground pool that’s permanently attached to your home. Above-ground pools that aren’t permanent fixtures are considered personal property instead of an actual structure.

If you have an in-ground pool or an above-ground pool that’s permanent, you might want to consider obtaining additional swimming pool coverage. In most cases, your standard home insurance policy only covers up to 10% of replacement costs on additional structures, such as these types of pools, so if you have a loss, you could be looking at a hefty out-of-pocket expense.

If you have an above-ground pool that is considered personal property, you should check with your insurer to see exactly what’s covered before purchasing additional swimming pool coverage. In most cases, home insurance policies cover up to 75% of replacement costs on personal property. If the pool is inexpensive, you might not need any additional coverage.

What Happens If Someone Gets Hurt While Swimming in Your Pool?

If someone gets hurt at your swimming pool, or any worse circumstance occurs, the liability coverage associated with your homeowner’s insurance policy pays out claims for the damages. Since the liability claims are typically already included in your policy there is no need to get additional coverage.

However, if you do want additional coverage because you have a lot of risks around your swimming pool for damage or injury, there is an option available to you. Purchasing a personal umbrella policy will provide extra liability coverage above the limits within your already existing homeowner’s policy. The umbrella policy only pays out claims once you have exhausted all the coverage in your main home insurance policy’s liability coverage.

How to Reduce Your Risk and Keep Your Pool Safe

Keeping your risks low for both damage and injury can help prevent additional costs and coverage needed in your homeowner’s policy. Here are a few tips on how to keep your pool safe:

  • Keep your gate fenced at all times to prevent people from accidentally falling into the pool.
  • Equip patio doors with an alarm system in case a child or pet leaves the house without warning.
  • Place life-saving equipment near your pool so you can reach it at any time.
  • Keep electric equipment away from the pool.
  • Store chemicals away from the general pool area.
  • Place a pool guard over the pool in case of any falling objects.

Make Sure You Have the Swimming Pool Coverage You Need

Owning a home with a pool will always carry some level of risk, no matter how careful you are. But now that you know how to insure your investment and protect against potential hazards, you can enjoy that dip in the pool with ease. Be sure to compare coverage and rates from various companies to ensure you’re getting the best deal.

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