Is my pool covered by homeowners insurance?

By Sheryl Nance-Nash Posted : 05/24/2012

pool insuranceIs my pool covered by homeowners insurance?

A swimming pool is covered by your homeowners policy. However, the nature of the pool -- whether it is an in-ground, attached or above-ground pool impacts how it is covered. If you have a detached pool (not a part of the dwelling or permanently attached to the dwelling), it is considered a "separate structure," and is subject to different coverage limits than would be the case if the pool was attached to the dwelling, explains Kevin Lynch, an assistant professor of insurance with The American College in Bryn Mawr, Pa.

The design of your pool also impacts your policy, and even your ability to secure or retain coverage. While a slide is usually not something that will cause problems in getting coverage, a number of major insurance carriers will not insure pools with diving boards because they are considered riskier than pools without them.

If you get a pool, you should also get extra liability coverage beyond what is offered in your existing homeowners policy. Pools are fun, but they can also be the source of injury or drowning. If you have $100,000 in liability coverage, you might want to increase that to $300,000 or more. (See: "The true cost of insuring your pool.")

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