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Discover How Your Swimming Pools Are Covered Under Home Insurance

Discover How Your Swimming Pools Are Covered Under Home Insurance

Aug 30, 2023

Homeowners Insurance

home insurance for swimming pool

Swimming pools are an excellent way to relax and rejuvenate. However, it is vital to understand the extent of coverage provided under your home insurance policy for your swimming pool. Knowing what your insurance policy covers can help alleviate any financial burden in unforeseen accidents, damage, or liability concerns, whether you have an in-ground pool, above-ground pool, or even a hot tub.

Let us discuss everything about pool home insurance coverage and how to secure the best possible insurance protection for your pool.

What Kind of Pool-Related Damages Are Covered by Home Insurance?

Homeowners insurance will only cover your swimming pool against damages from the covered perils, including lightning strikes, fire, vandalism, hail, and explosions. The coverage you get for your pool depends on your insurer and the type of swimming pool you have.

Here is how home insurance covers your pool:

  • Personal Property Coverage:  An above-ground pool is usually considered personal property by insurers if it is portable. This coverage reimburses your personal property at 50% of your dwelling coverage. For example, if your home is insured for $600,000, you will get $300,000 to repair the damage caused to your above-ground pool.
  • Other Structures Coverage: A permanently-installed above-ground pool is considered an "other structure." This coverage reimburses 10% of your dwelling coverage, so if you have $600,000 in dwelling coverage, your pool may be covered up to $60,000.
  • Dwelling Coverage:  Some insurers may cover your in-ground pool up to the limits of your policy's dwelling coverage.

When Does Not Home Insurance Cover Swimming Pools?

Home insurance does not cover the following damages caused to your swimming pool:

  • Wear and Tear: Your insurance does not cover natural wear and tear damages.
  • Lack of Maintenance: Failing to vacuum or clean leaves and debris regularly may clog the filter, damaging your pump. This damage won’t be covered.
  • Not Winterizing Your Pool: If your residence is susceptible to freezing temperatures and fails to winterize your pool, cracks and leaks may occur, which won't be covered.
  • Flooding: A standard home insurance policy does not cover flood damage.

Does Home Insurance Cover a Pool Collapse?

Home insurance usually does not cover pool collapses but check with your insurer. You will be responsible for the resulting loss or damage if your pool collapses due to negligence or lack of maintenance.

What If You Are Responsible for Your Pool Injuries?

Personal liability coverage on your home insurance policy pays for medical bills for third parties injured in or around your pool. It also covers your legal costs if you are sued by the injured.

Tips on Keeping Your Pool Safe

  • Build a fence around your pool to limit unwanted access.
  • Well-lit your pool to prevent slips and falls.
  • Have a retractable pool cover to reduce the risk of accidental falls.
  • Keep a list of safety rules and a first aid kit near your pool.
  • Cover Your Swimming Pool with Our Comprehensive Home Insurance Policy

At Little & Sons Insurance Agency, we understand the importance of safeguarding your swimming pool against unexpected incidents. Our expert team offers a comprehensive selection of custom-tailored home insurance options, designed specifically to meet your unique pool requirements. Don't leave your cherished pool vulnerable to risks any longer. Contact us today, and let our professionals assist you in securing a policy that provides the ultimate protection for your pool and peace of mind for you and your loved ones. Don't wait; secure your pool's future now!

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After 23 Years of serving our clients at our location in Beaumont, CA it is with a heavy heart that we are consolidating our operations to our Banning Office. We will be available all the same hours and will work to make this transition as smooth as possible. Thank you for your continued business and we look forward continuing to serve your insurance needs. Our contact information will stay the same so feel free to contact us.