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Does Homeowners Insurance Cover Your Backyard Pool?

Updated: March 2018

Homeowners insurance helps cover a swimming pool in two ways. If your pool is damaged by a covered peril, homeowners insurance may help pay for repairs. Homeowners insurance also includes liability coverage, which helps pay for expenses if a guest is injured at your pool.

Image of an in-ground pool in a backyard.

Does Homeowners Insurance Cover Damage to a Pool?

Homeowners insurance typically helps pay to repair a pool if it's damaged by one of the risks covered by your policy. Covered risks usually include fire and falling objects. So if, for instance, a tree falls on your pool, homeowners insurance will likely help pay for repairs, up to the limits stated in your policy. Keep in mind that homeowners policies exclude coverage for damage caused if water freezes in your pool, so you'll want to be sure you drain it at the end of each season.

The coverage that applies to your pool typically depends on what kind of pool you own. An above-ground pool is generally covered by the personal property coverage in a homeowners policy, while an in-ground pool is usually covered by other structures coverage.

Your agent 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.

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Does Homeowners Insurance Include Liability Coverage for a Pool?

You'll also want to take your liability coverage into consideration. If a guest is injured at your pool, you could potentially incur medical or legal expenses that stem from the incident. Liability protection is a standard part of a typical homeowners policy, but because a pool can increase your liability risk, you may want to consider increasing your coverage, the Insurance Information Institute (III) says.

A homeowners policy typically provides $100,000 in base liability coverage. The III recommends increasing those limits if you have a backyard pool.

DO I NEED EXTRA INSURANCE FOR MY POOL?

To add an extra layer of protection, the III says pool owners should consider purchasing a personal umbrella policy. An umbrella insurance policy provides liability coverage above the limits of your homeowners policy. Umbrella protection begins when you've exhausted the required underlying insurance amount of your homeowners policy. Your agent can help you determine whether you have appropriate protection in place on your underlying policy to help prevent a gap in your coverage.

If you have a pool or you're planning to install one, it's a good idea to let your insurer know, the III says. While pools are typically covered by homeowners insurance policies, you'll probably want to review your coverage to make sure you have the right amount of protection in place.

By choosing appropriate insurance coverage and limits, you can gain the peace of mind that comes with knowing you have protection in place just in case a mishap occurs.

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This content is for informational purposes only and may not be applicable to all situations.

Coverage subject to terms, conditions, and availability. Policy issuance is subject to qualifications. Allstate Insurance Company, Allstate Indemnity Company, Allstate Fire and Casualty Insurance Company, Allstate Property and Casualty Insurance Company, Northbrook, IL. © 2018 Allstate Insurance Company, Northbrook, IL.
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