Are Pools Covered by Homeowners Insurance?

Are Pools Covered by Homeowners Insurance?

May 15, 2023

In Southern California, it’s pretty common for homes to have pools. While pools are fun and a great way to cool off during the hot summer, they do present more risk to the homeowner, which is why it’s important to understand the pool coverage provided by your home insurance policy. 

Home insurance oftentimes covers swimming pools if it is damaged by a covered peril (typically fire, wind, hail, lightning, and vandalism). Let’s look at some examples. If a tree blew over in a windstorm and damaged your pool, your home insurance would likely cover repairs. On the flip side, damage caused by earthquakes is not covered by a standard homeowners policy, so if your pool cracks due to a shift in the ground, you’d be responsible for the repairs. (You would need earthquake insurance for this to be covered).  

Your insurance coverage will also vary based on the type of pool you have as well as your insurer. If your pool is in-ground, it may be covered by your dwelling or other structures coverage. If you have an above-ground pool that is portable, then it may be covered under your personal property policy or other structures coverage. Check with your agent to confirm how your insurer covers your type of pool.  

Not only is it possible for your home insurance to cover structural damage, your home insurance provides liability protection if an accident happens because of the pool. You should review your policy to confirm if there are any coverage limitations or exclusions, like if you have a diving board or your pool is not fenced. You should also review your liability limits to make sure you have enough to protect yourself given the increased risk a pool presents. If you do not feel you have enough, you could consider getting an umbrella insurance policy.  

No matter the type of pool you have, it’s important to take precautions to help keep your pool area safe, as well as to follow your state and local laws for pool ownership and safety. Some safety guidelines include fencing off the pool area to keep small children out if left unsupervised, making sure the pool deck is not slippery, and taking extra caution with pool accessories like diving boards and slides. 

This blog post is not offered, and should not be relied on, as insurance advice. You should consult an insurance agent for advice in specific situations.