If you have the “right” type of homeowner’s coverage, this question would be easier to answer. The “right” type of homeowner’s coverage would cover your property, both real property (your home, garage, built in pools, etc.) and personal property (clothing, furniture, dishes, yard fixtures, things you could take with you if you moved) for damage unless there is a specific exclusion or limitation in the policy that says it doesn’t.
I don’t think you will find a specific exclusion or limitation for a “pool leak” but you will find one that says damage caused by wear and tear or deterioration, or inherent vice would not be covered. So the issue would be, why did the pool leak? If the liner simply wore out from age or there was a defect, you probably won’t be covered. But if neither of these apply; you may find coverage for the damage.
Unfortunately, most people don’t have the “right” homeowners’ policy. Their policies’ limit coverage on personal property (such as above ground pools) to specific named perils. I call these the “wrong” kind of homeowners’ policies. If you have this type of policy, you must show the insurance company the damage was caused by one of the named perils. A “pool leak” is not a named peril. Under that type of policy, I think you are going to be out of luck.
.JPG){kind=avatar}
I don’t think you will find a specific exclusion or limitation for a “pool leak” but you will find one that says damage caused by wear and tear or deterioration, or inherent vice would not be covered. So the issue would be, why did the pool leak? If the liner simply wore out from age or there was a defect, you probably won’t be covered. But if neither of these apply; you may find coverage for the damage.
Unfortunately, most people don’t have the “right” homeowners’ policy. Their policies’ limit coverage on personal property (such as above ground pools) to specific named perils. I call these the “wrong” kind of homeowners’ policies. If you have this type of policy, you must show the insurance company the damage was caused by one of the named perils. A “pool leak” is not a named peril. Under that type of policy, I think you are going to be out of luck.