The coverage that applies to a pool depends on what kind of pool you own. Permanently installed above-ground pools and most in-ground pools are generally covered by the other structures coverage in a homeowners policy, while portable-style, above-ground pools that you could take with you if you move are usually covered by personal property coverage.

Your insurance provider can help you determine whether you should consider increasing your coverage limits based on the value of your pool and any accessories, such as a deck or water slide.