Do Above-Ground Pools Fall under Dwelling Coverage?

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    You've finally purchased a pool! Now it's time to kick back on a flamingo floatie and watch the sunset ... well, almost. First, you have to make sure you've secured the right insurance.
    It goes without saying, pools require adequate insurance coverage. Not only are they outdoors and therefore exposed to the elements, but they also pose dire safety and liability risks.
    The best thing to have on your side when it comes to your above-ground pool is the proper coverage (and extra flamingo floaties, in case your children take over them).
    But, what section of your homeowners insurance does your pool fall under? And what kinds of insurance will you need? Here's what you need to know.

    Are above-ground pools included in dwelling coverage?

    No, above-ground pools are not covered in dwelling coverage. Your "dwelling" is your primary residence or anything directly attached to your residence, like porches, sunrooms, garages, and decks.
    Structures on your property separated from your main dwelling by a clear space are "other structures." Pools will never automatically be covered by your homeowners policy. If you have a pool, you have to add it to your home insurance policy under other structures coverage or Coverage B.

    When will my homeowners insurance cover above-ground pool damage?

    Your insurance company will reimburse you if your pool is damaged by a covered peril. However, covered perils are usually limited to unexpected and unavoidable occurrences; namely, fires, falling objects, inclement weather, and criminal activity. Therefore, if your pool suffered hail damage, it would likely be covered.

    When will my homeowners insurance not cover pool damage?

    Your pool will not be covered if it is damaged by a peril that isn't listed on your policy.
    It's important to double-check your policy because perils you may think are covered might not be. For instance, floods and earthquakes are commonly left out of standard policies; however, they could pose a real threat to your pool if you live in states like Florida or California.
    Your home insurance also won't cover damage that happened due to wear and tear or neglect.

    What additional coverage do I need?

    When it comes to having your pool adequately insured, you will need to do more than add it to your homeowners insurance policy. You will also need liability insurance.
    Liability protection will cover you and your assets if someone suffers an injury associated with your pool. This insurance will cover legal fees, medical expenses, and other hardships incited by an injury. It's important to make sure you don't have any coverage gaps. For instance, diving boards are not covered under most standard liability policies.
    A pool is considered an attractive nuisance (a home feature that draws the attention of children while posing the risk of serious harm), so the coverage premiums reflect the additional risk.
    You should also look into an umbrella policy. Pool owners can add up to one million dollars of liability insurance coverage by purchasing an umbrella policy for their pools. Umbrella policies can cover you if you are held responsible for expenses that exceed your normal coverage.

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