How Does a Pool Affect Home Insurance Coverage?

Before adding a pool to your property, consider how this structure will affect your insurance coverage. Whether you invest in an in-ground pool or purchase an above ground model, it’s bound to raise your insurance costs. By discussing your options with a Southwest Insurance Center agent in Austin, TX, you can better prepare for the changes that a pool brings to your policy.


Depending on your insurer, an in-ground pool may be covered under the property damage or replacement cost portion of your home insurance policy. In the event of damage to your pool, your home insurance will pay for its repairs in accordance with your coverage limits. The cost of coverage for your pool will be added to your homeowner’s insurance premium. A luxury in-ground pool setup may need additional coverage to fully protect your investment. An above-ground pool will more likely be covered as personal property due to being a portable structure.

A pool will also impact your liability coverage as it increases the risk of injuries and/or death on your property. Your insurance agent can help you determine how much liability coverage you need with a pool to continue to protect your assets. Increasing your liability coverage will raise the cost of your premium.

Stipulations to Coverage

Many insurers have stipulations to providing coverage to homeowners with pools. Homeowners must comply with local safety laws concerning pool ownership. Most cities require that the pool or home be enclosed by a fence to reduce the risk of accidental drowning. Some companies refuse to cover pools with slides or diving boards as these accessories increase the risk of accidents. Lack of pool maintenance and care can also result in your pool not being covered.

Learn more about adding pool coverage and protection to your homeowners insurance policy by contacting Southwest Insurance Center, Austin, TX, today. 


How Do I know If I Have Enough Homeowner’s Insurance Coverage?

If you are like most homeowners, your home is your biggest investment and largest asset. As a first-time home buyer, it can be difficult to understand your homeowner’s insurance coverage needs. How much coverage is enough? If you are under-insured you can be left dangerously exposed in the event of a fire, theft or personal injury. Here are some questions to ask that will help you determine how much coverage you need.

Do I Need Flood Insurance?

Flood insurance protects your home and property against damage caused by water. Does your house sit next to a storm drain channel or creek? Is it at the bottom of a hill or at the low point of a road?. This indicates that getting flood insurance is a good idea because homeowners insurance doesn’t offer protection for water-related events. If your home is located in a flood zone, your mortgage lender will typically require you to carry flood insurance.

Do I Have Enough Coverage For All My Personal Property?

When you get homeowners insurance for your Austin, TX home, it will not only provide financial reimbursement for any damage or loss to your home, it also protects the value of your personal property, including clothing, electronics, furnishings, and collectibles. More coverage may be needed for jewelry, art or antiques. If you are unsure of the value of your household belongings, an appraisal will help you determine how much insurance you will need.

Am I Covered For Liability?

If someone is hurt or suffers an injury while inside your home or yard, you may be liable for damages such as medical expenses and lost income, even if the injury didn’t involve purposeful negligence on your part. Make sure you are fully covered against liabilities to ensure you don’t have to worry about having people on your property.

How Do I Determine How Much Coverage I Need?

Every homeowner’s insurance policy is different and may have different events and incidents that are covered or not covered by that policy. To figure out how much coverage you require, and to learn what types of incidents you can insure, contact our office today. At Southwest Insurance Center, we’ll customize your homeowner’s insurance to your individual needs.