A swimming pool is an excellent way to relax, exercise, and entertain at your home; however, the joys of pool ownership come with many responsibilities, including making sure that your pool is properly insured.

Understanding the nuances of pool insurance can be tricky, as coverage varies depending on your homeowners insurance policy.

In this blog post, the swimming pool experts at Sun Pools guide you through what you need to know about pool insurance so you can make the most informed decisions about protecting your investment.

Does Homeowners Insurance Cover Swimming Pools?

Whether your homeowners insurance policy covers your swimming pool largely depends on the type of policy you have. Generally, most homeowners insurance policies offer some degree of coverage for swimming pools. However, this coverage can vary significantly.

Some policies may include swimming pools under the overall property coverage, while others may require additional coverage or have limitations. Review your policy carefully or consult with your carrier to understand what is and isn’t covered.

How Swimming Pools May Be Covered Under Homeowners Insurance

Homeowners insurance can cover swimming pools in several ways, but it often depends on the type of pool and its location on your property. The three most common ways swimming pool damage may be covered include:

• Personal property coverage: If your pool is considered a personal belonging (like an above-ground pool), it may fall under personal property coverage. This type of coverage typically protects against damage from events like fire or theft. Still, it’s important to note that personal property coverage often has lower limits and may not fully cover larger claims related to pool damage.
• Other structures coverage: For in-ground pools or those considered a permanent part of the property, other structure coverage may apply. This aspect of your homeowners insurance is designed to cover detached structures on your property, such as sheds, fences, and sometimes swimming pools. It’s important to check if your policy includes pools under this coverage and to be aware of any specific exclusions or limitations.
• Dwelling coverage: In rare cases, if a pool is considered an integral part of the main structure (such as an indoor pool), it may fall under dwelling coverage. Dwelling coverage typically protects the main house and attached structures from covered perils; however, this is less common for pools, and specific stipulations may apply.

Do I Need Extra Insurance for My Pool?

In many cases, homeowners may need extra insurance to protect their pool adequately. This could include increasing liability coverage, as pools can pose significant injury risks, or adding a specific pool endorsement to your policy for more comprehensive coverage.

Additional insurance can help cover medical bills or lawsuits if someone is injured in or around your pool. Discussing your pool insurance needs with your provider is always a good idea to ensure you have the right coverage in place.

Protect Your Swimming Pool with Sun Pools

Your swimming pool is an investment that deserves the best care and protection. While ensuring you have the right insurance coverage is one step, regular maintenance and professional service are just as important.

Sun Pools wants to keep our clients informed about their responsibilities when it comes to protecting their investment so you can enjoy peace of mind and many more fun-filled days in the sun.

Contact Sun Pools to learn more about our product offerings today.