Does Homeowners Insurance Cover Your Swimming Pool?

Life preserver floating in a clear pool water

Does Homeowners Insurance Cover Your Swimming Pool?

As homeowners, we all want to protect our properties and investments, including our swimming pools. At C&D’s Installers, we understand that above ground pools can add tremendous value to your home and enhance your quality of life. But have you ever wondered, “Does homeowners insurance cover my swimming pool?” In this article, we will explore the intricacies of homeowners insurance and its potential coverage for your above ground swimming pool.

Understanding Homeowners Insurance

Homeowners insurance is designed to provide financial protection for your home and its contents in the event of unforeseen circumstances, such as damage from natural disasters, theft, or accidents. While it typically covers the structure of your home, personal belongings, and liability, the coverage of specific structures, like swimming pools, can vary depending on your policy and the circumstances of the damage.

Coverage for Above Ground Swimming Pools

Coverage for above ground swimming pools can differ from one insurance policy to another. Some policies may include coverage for structures such as your pool, while others may not.

In-Ground Pools vs. Above Ground Pools: Homeowners insurance generally covers in-ground swimming pools as part of the overall property structure. However, coverage for above ground pools may be less clear, as they are often considered personal property and can be temporary structures.

Endorsements and Riders: To ensure your above ground pool is adequately protected, you may need to purchase an endorsement or rider to your homeowners insurance policy. These additions can provide specific coverage for your pool, including damages caused by accidents, vandalism, or weather-related incidents.

Liability Coverage

Liability coverage is an essential component of homeowners insurance, as it protects you in case someone is injured on your property. If you have an above ground pool, it’s crucial to discuss liability coverage with your insurance provider. It can help cover medical expenses and legal fees in case of accidents or injuries related to your pool.

Maintenance and Responsibility

Keep in mind that homeowners insurance does not typically cover damage caused by lack of maintenance or neglect. It’s your responsibility as a pool owner to maintain your pool and take precautions to prevent accidents. Regular maintenance and adhering to safety guidelines can help prevent incidents that might not be covered by insurance.


In conclusion, whether your homeowners insurance covers your above ground swimming pool depends on your policy and its specific provisions. If you’re unsure about your pool’s coverage, it’s essential to consult your insurance provider to discuss potential endorsements or riders that can protect your investment.

At C&D’s Installers, we’re passionate about helping you make the most of your above ground pool. While insurance coverage for your pool is an important consideration, the joy and relaxation it brings to your life are equally valuable. Be proactive in understanding your homeowners insurance policy and explore options to ensure your above ground pool is adequately protected. Enjoy your pool to the fullest, knowing you’ve taken the necessary steps to safeguard your investment.