Homeowners Insurance and Swimming Pools

Homeowners insurance is essential for those who own homes as it helps protect your property and liability. Knowing what your policy covers is vital and can help limit out-of-pocket expenses following a covered incident, protecting you from potential unforeseen costs.

If you have a swimming pool or are thinking about adding one, you’ll want to carefully consider how it will affect your homeowners insurance—and if you need to secure additional coverage for having a pool. Selecting the right coverage may be challenging, and the agents at Express Insurance Services can help you through the process.

Does Homeowners Insurance Cover Swimming Pools?

Swimming pools tend to vary in terms of homeowners insurance property coverage and will depend on your specific policy. Certain policies separate coverage by whether the pool is a permanent fixture of your property. For example, suppose your pool is located on the grounds of your home, such as an in-ground pool. In that case, it may be covered under dwelling coverage, but if your pool is detachable and not a part of your home, it may be considered personal property and thus covered by personal property coverage, depending on your policy limit. Other policies may require you to purchase what is known as “scheduled structures” or “other structures blanket coverage” to secure property protections. It’s important to note that certain damages to your pool, such as wear and tear, may not be covered under your policy.

Regarding your liability protections under homeowners insurance, you will likely need to raise your limits or purchase an umbrella policy. Having a swimming pool increases your risk of a liability claim significantly and insurers generally respond by requiring you to buy additional coverage.

How Do Swimming Pools Affect Homeowners Insurance?

Swimming pools have varying effects on homeowners insurance. Because pools are considered places where injuries may occur more frequently, or “attractive nuisances,” insurance providers may increase policy rates if your pool is covered by your home insurance policy. Regardless, having sufficient coverage is vital. The agents at Express Insurance Services can help you learn more about getting the right homeowners insurance coverage if you have a swimming pool.

Where Can I Find Coverage?

If you are a homeowner near Norcross, Georgia, the dedicated agents at Express Insurance Services can assist you in learning more about swimming pool coverage and additional coverage options to ensure you have sufficient information when selecting a home insurance policy.

For more information on homeowners insurance, contact our agency today at 770-558-1391 to request a quote on a policy.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.