Like many questions about insurance coverage, the answer to the question “Does homeowners insurance cover an above ground pool?” is all about the details. The answer to this question depends upon your personal homeowners insurance policy and what that specific policy includes and excludes. Generally, a homeowners insurance policy should cover most damage to and losses from an above ground pool, however, there are some notable exceptions to be aware of when it comes to above ground pools and insurance cover.

The best resource for questions about your specific insurance coverage is your insurance agent. Since you’ll need to call your agent anyway to notify them and your home insurer about the pool, make sure to ask about the coverage your policy will offer. Some of the information here may not apply to your situation, but as a general guide to help you ask your agent the right questions, here are some points to consider when assessing insurance coverage for your above ground pool.

Does home insurance cover above ground pools?

Most home insurance policies cover structures in your yard. If an above ground pool isn’t listed among your policy’s exclusions, then chances are that your home insurance will offer coverage for it as a structure, IF you specifically add it to your homeowners insurance.

While an above ground pool may not be listed as an exclusion within your policy, it can be considered an “attractive nuisance,” which means your insurer likely views it as a pretty sizable risk. Getting an above ground pool without disclosing it to your insurer could leave you underinsured or, worse, could void your coverage if your insurer were to find out.

Damage to Your Above Ground Pool

If your above ground pool is covered by your existing insurance, then covered damages to your pool will likely be covered. Keep in mind that the damage must be caused by a covered peril as outlined in your policy.

Water Damage From Your Above Ground Pool

Coverage for water damage under your homeowners insurance is, shall we say, a bit complicated? This is an area where you’ll want to involve an insurance agent if you have questions (you can give one of ours a call at (844) 522-0543). Many types of water damage are generally covered by homeowners insurance with one notable exception: flood. Call your insurance agent to confirm that water damage from your pool is covered by your existing homeowners insurance - it's better to be safe than sorry and every policy is different.

Not working with an agent? Call one of our expert insurance advisors at (844) 522-0543 for help reviewing your policy's specific language regarding pools and water damage.

Liability

A big concern with pools is liability. Your homeowners insurance includes liability, but you or your insurance agent may feel the coverage offered by a basic homeowners insurance policy may not be enough for your situation. In that case, it may be wise to consider adding an umbrella policy for additional liability coverage.

Conclusion

Installing an above ground pool in your yard can make summer even more fun! It does, however, add to your risk as a homeowner. Proper insurance coverage is essential when adding a pool to your home.

Many policies will cover an above ground pool, but some may not. If your existing policy can cover your pool, remember that you must disclose the pool to your insurer and you should consider additional liability protection with an umbrella policy. The best resource for determining if your homeowners insurance covers an above ground pool is to ask your insurance agent or insurer directly or refer to your policy.

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Wondering about what your homeowners insurance policy covers and ways to save? Call one of our insurance advisors at (844) 522-0543 to review your coverage and compare quotes.

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