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.