Does home insurance cover pools?

Answered by Home Insurance, Car Insurance Expert Shannon on December 24, 2020

I want to get a pool, but it'll be a pricey investment. I want to know if my insurance will protect me.

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Home Insurance, Car Insurance Expert

Yes, your pool will be covered, but how it is covered will depend on the type of pool you have. If you have an in-ground pool, it will be considered an “other structure” and be protected under “Coverage B” in your insurance policy. Coverage B, or other structures insurance, provides coverage up to 10% of your dwelling. So if your home is insured for $100,000, your other structure will be covered for $10,000.

There are times when this will not be enough coverage, so additional protection can be added to your policy through an endorsement. If you have more than one other structure — let’s say a pool, a shed, and a detached garage — you will want to make sure that your agent is aware so that this coverage can be appropriately adjusted.

If you have an above-ground pool, it will be considered “personal property” and be covered under “Coverage C,” which is your personal property coverage. This is the same coverage that protects things like furniture, clothing, electronics, etc. If the pool is a new purchase, you may want to add additional coverage to your policy.

Keep in mind that most carriers will require a fence to be constructed around the pool for safety. Your agent will let you know if additional safety measures need to be taken.

For more information on this subject, check out these articles:

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