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Do You Need Additional Insurance if You Have a Pool?

August 2, 2021

Having a pool is a great home feature for the hot and humid summer months. Once you open your pool for the season you know you, your family, and guests are in for a fun summer. However, before the fun takes place, it’s important that you understand if you’re protected. In particular, you need to know if you have the right insurance to cover your pool.

Does Homeowners Insurance Cover Swimming Pools?

Whether your homeowner’s insurance policy will cover your swimming pool depends on your insurance provider. However, in most cases, your home insurance policy will cover your swimming pool in two ways: other structure coverage and liability. Whether your pool is above ground or underground will also determine how your insurance company will cover it. 


Other structures coverage protects the actual structure of the pool if it’s damaged. Your homeowner’s liability coverage also applies to the pool, so you’re protected if someone decides to make a claim against you. However, some insurance providers may consider a pool a “scheduled structure” or consider it part of “other structures blanket coverage”. If this is the case, your insurance provider won’t cover your swimming pool unless you add additional coverage. 


What Does Pool Insurance Cover?

Once you plan on adding a swimming pool to your home, you’ll need to let your insurance provider know since they may not cover a claim if they aren’t aware of the structure. For swimming pools, you’ll need to have liability coverage. That’s where adding a scheduled structure coverage to your policy will help. That additional coverage will give you peace of mind knowing your pool is protected from damage and your wallet is protected against claims. 


Should You Get Umbrella Liability Coverage? 

Adding umbrella liability coverage for your pool is a good idea. It’s highly recommended that homeowners with a pool add umbrella liability coverage to their homeowner’s insurance policy since pools pose a bigger-than-usual risk compared to other places around the home. That way, you won’t end up paying out of pocket for accidents that occur in or around your pool.


Let American Heritage Insurance Protect Your Pool

When you need dependable, comprehensive insurance coverage for your pool, there’s no better place to find the right policy than at American heritage Insurance. We are an independent insurance broker offering some of the best insurance policies in Maryland. Click here now to request your FREE MD home insurance quote.

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Over and above the time, effort and saved dollars that you put into earning our business – your careful attention to detail in getting our coverage right is what mattered the most. Thank you for educating me about the differences in coverage and for reallocating our insurance dollars to minimize our exposure while maximizing our policies.

- Eric L, President of Jeffrey Press, Inc.

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