1. 12689 POINTS
    Ted Ratliff
    Owner, SFS Associates,
    If a pool is damaged due to a covered peril there may be coverage. For example a tree falls on the pool. It will also cover liability if someone gets hurt or drowns in or around the pool. Make sure your agent knows you have a pool and make sure it is properly fenced according to the insurance companies standards however. If you don't and the company inspects it, you may face non-renewal. Most companies require some type of fence around a pool.
    Answered on April 16, 2013
  2. 1909 POINTS
    HDA Insurance Brokerage
    Director, HDA Insurance Brokerage, California
    Homeowners Insurance does cover Swimming Pools as 'Other Structures' which is usually 10% of the Dwelling Coverage amount on the policy.   A swimming pool is covered for the same perils that cover the home.

    The most common covered claim for a swimming pool would be a liability claim or medical payments claim for a slip and fall injury;  some insurance carriers will not insure a home with a pool if there is a diving board or slide in order to avoid this risk. 

    One of the more common questions regarding a swimming pool is coverage for cracks in the pool.  Cracks are usually caused by land movement or earthquakes;  this is not covered on a homeowners policy.   Earthquake coverage would need to be purchased to cover this sort of damage to a swimming pool; however, the deductible and special limits will apply to swimming pools. 

    Please review your coverage details prior to purchasing coverage.
    Answered on April 2, 2014
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