Consider the summer delight of a backyard swimming pool: an at-home resort offering respite from the soaring temperatures and an exciting venue for those heartwarming family get-togethers. But amidst all the fun, pools carry an inherent risk that can’t be overlooked. But fret not. Insuring your pool protects you and your loved ones. Moreover, you can easily incorporate it into your existing homeowner’s insurance policy.

Types of Coverage

The type of coverage your pool receives is determined by its specific characteristics. Here’s the breakdown:

  • Permanent pools, both in-ground and above-ground, that have firmly taken root in your landscape generally fall under the “other structures” coverage umbrella. This coverage is a security blanket within your homeowner’s insurance, safeguarding structures separate from your main dwelling.
  •  Lightweight, portable pools that aren’t firmly anchored to your property. These types of pools are generally encompassed by personal property coverage.

Both categories provide robust protection for your pool against unforeseen circumstances, otherwise known as “covered perils,” like nature’s wrath causing a tree to tumble and damage your pool or a hurricane leading to significant flooding. However, if the value of your pool and the policy limit doesn’t align, consider adding umbrella insurance to ensure your pool’s full protection in the event of destruction.

Homeowner’s Insurance and Liability Coverage

Irrespective of the pool’s type, liability is a key aspect of its insurance coverage. This built-in component of your homeowner’s insurance policy is a financial safeguard if someone suffers an injury within your pool’s boundaries. This coverage shoulders the financial responsibility for medical bills, legal expenses, and other costs arising from the unfortunate event.

While backyard pools bring a touch of luxury to summer days, understanding the significance of pool insurance is paramount. It protects you financially and contributes to a safer, more enjoyable swimming experience.