A residential swimming pool can be insured as part of your homeowners policy. Coverage may include property protection for the pool itself and liability protection for guest injuries. Coverage depends on pool type, cause of damage, policy limits, and exclusions. Pools also trigger safety and code requirements that vary by state.
Table of Contents
- Is my Swimming Pool Covered Under my Homeowners Insurance?
- Liability Coverage for Pool Owners
- Are Pool Leaks Covered by Homeowners Insurance?
- Common Pool-Related Questions
- Safety Measures That Can Affect Coverage
- State-by-State Highlights
- TL;DR
- Impact on the Insurance Industry
- FAQ
- Sources and Further Reading
Is my Swimming Pool Covered Under my Homeowners Insurance?
In-ground pools
In-ground pools are usually classified as “Other Structures,” similar to detached garages. This means coverage is typically capped at around 10% of your dwelling coverage, unless you purchase additional limits. Damage from covered perils such as fire, wind, hail, or vandalism may be included. Earthquake, flooding, and poor maintenance are not covered.
Above-ground pools
Portable above-ground pools are often considered personal property. Permanently installed above-ground pools may be treated as “Other Structures.” This affects how much coverage you have and how claims are settled. Always confirm classification with your insurer.
Liability Coverage for Pool Owners
Pools are considered “attractive nuisances,” which means they increase liability risk even if someone uses your pool without permission. Standard homeowners insurance usually includes personal liability coverage, but pool owners should consider higher limits—often $300,000–$500,000—and an umbrella policy for extra protection.
Note: Liability coverage does not cover injuries to household members. Your health insurance would apply in those cases.
Are Pool Leaks Covered by Homeowners Insurance?
Yes, if: The leak is caused by a covered peril (e.g., storm damage, fire, vandalism).
No, if: It results from wear and tear, poor maintenance, improper winterization, or age-related deterioration. Pool collapses are rarely covered unless caused by a specific insured peril.
Common Pool-Related Questions
Do I need to tell my insurance company about a new pool?
Yes. Adding a pool changes your risk profile. Not informing your insurer could result in denied claims or uncovered liability.
Is earthquake damage covered?
No. Standard homeowners policies exclude earthquakes. In California, earthquake insurance (CEA policies) specifically excludes pools. Separate coverage would be required.
Is flood damage covered?
No. Flooding is excluded from standard homeowners policies. You need separate flood insurance from the NFIP or a private carrier.
If a guest is injured, am I covered?
Yes, guest injuries are usually covered under personal liability. However, medical payments coverage is typically limited ($1,000–$5,000). Large claims may require umbrella insurance.
Safety Measures That Can Affect Coverage
- Fencing: Most insurers require a self-closing, self-latching gate.
- Alarms: Door, gate, or pool alarms can reduce liability risk.
- Safety Covers: Automatic covers are often recommended or required.
- Slides & Diving Boards: These may result in exclusions or surcharges from your insurer.
State-by-State Highlights
| State | Requirement | Insurance Impact |
|---|---|---|
| California | Two of seven approved safety features (fence, alarm, cover, etc.). | Non-compliance can increase premiums or lead to denial of coverage. |
| Florida | Residential Swimming Pool Safety Act requires fencing or alarms. | Insurers often require proof of compliance and safety inspections. |
| New York | Barrier at least 4 feet tall; door alarms required. | On-site inspections may be required before issuing coverage. |
| Texas | Minimum 4-foot fence, self-latching gate. Local amendments may apply. | Umbrella liability strongly recommended due to high litigation rates. |
| Arizona | Barrier at least 5 feet high with self-latching gates. | Insurers may deny coverage if barrier laws are not followed. |
TL;DR
- In-ground pools: Usually “Other Structures.” Covered for perils, not wear and tear.
- Above-ground pools: Often “Personal Property.” Coverage depends on permanence.
- Liability: Raise to $300k–$500k. Umbrella policies advised.
- Exclusions: Wear, neglect, earthquakes, floods, and pool collapse are usually excluded.
Impact on the Insurance Industry
Pools add significant liability exposure. In 2025, insurers are tightening underwriting by requiring proof of safety features and sometimes on-site inspections. Rising litigation around pool injuries also drives recommendations for higher liability and umbrella policies. For carriers, pools remain high-risk features that directly influence premiums, coverage limits, and claims costs.
FAQ
Q: Does adding a diving board change my insurance?
A: Yes. Some insurers exclude them, while others surcharge. Always disclose to your carrier.
Q: Can safety upgrades lower my premium?
A: They often help with eligibility and reduce liability risk, but discounts may be modest. The real value is preventing claims and ensuring coverage.
Q: Do I need to raise “Other Structures” coverage?
A: If your pool and landscaping exceed the standard 10% of your dwelling coverage, ask your agent about increasing limits.
Sources and Further Reading
- Insurance Information Institute – Pool Safety & Insurance
- California Department of Insurance – Homeowners Coverage Guide
- California Earthquake Authority – Earthquake Insurance
- CDC – Drowning Facts (2025)
- CPSC Pool Safely Campaign
- FloodSmart.gov – Flood Insurance Eligibility
- Policygenius – Pool Collapse Coverage
- Allstate – Swimming Pool Insurance
- Travelers – Pool Damage Coverage
- California Pool Safety Act (SB 442)
- Florida Statute Chapter 515 – Pool Safety
- Arizona Revised Statutes §36-1681 – Pool Enclosures
- New York State – Pool Barrier Code Summary
Kelly Pink
