Does homeowners insurance cover pools?

6/16/2023 (Permalink)

Homeowners insurance usually covers your pool within the same coverage of your home (weather-related damage, fire, etc.).

Short answer, yes. Homeowners insurance usually covers damage to your pool and pool cages attached to your home within the same risks your home is covered by (weather-related damage, fire, etc.). It also protects your liability should someone get hurt in your pool and decide to sue you for damages.

Having a pool usually increases your insurance premiums due to the added potential dangers.

Coverage eligibility and insurance requirements for your pool will vary by pool type, insurer, personal property, and other factors.

What if my pool floods?

With heavy enough rain there is a possibility that your swimming pool floods. This may be more concerning for those with inground pools close to the home. Depending on the severity of the flood, your home may be affected by water damage. This damage should be covered by your insurance policy. Be sure to document any damage due to the flooding for coverage purposes. Check the pool pump, pipes, and filter for cracks or damage.

Your insurance company should contact SERVPRO® to mitigate and restore any contents, flooring, walls, or drywall that may have been affected by flooding. A quick response to water damage will best ensure no further damage, like mold growth, occurs, which will mean more work to be done and more costs to you. SERVPRO® is always Here to Help®!