Does Homeowners Insurance Cover My Pool? And Other Pool Insurance FAQs

Oct 2, 2020 1 min read

What’s better than jumping into a cool, sparkling-clean pool on a hot summer day? A backyard swimming pool is a great place to spend time with friends and family during the warm summer months. While a pool can be a lot of fun, owning one increases the risk that someone could be injured on your property. For that reason, it’s important to have the proper insurance coverage in place. 

If you’re considering purchasing a home with a pool or adding a pool to your home, you need to know how a pool affects your insurance coverage and cost.  

Does Homeowners Insurance Cover My Pool?

Insurance coverage for your pool is provided through your homeowners insurance. However, every insurance company handles coverage for a pool differently. Your insurance company might automatically cover your swimming pool for a certain percentage, or you might need to add your swimming pool onto your policy. You’ll need to contact your homeowners insurance company to find out how to add your swimming pool to your homeowners policy.

What Are the Insurance Requirements for a Swimming Pool?

In the insurance industry, swimming pools are often cited as an example of an “attractive nuisance.” Anything that might attract a child and is also potentially dangerous to an unsupervised child can be considered an attractive nuisance. Other examples are trampolines, man-made ponds and farm equipment. As a homeowner, you’re responsible for taking appropriate safety precautions to protect unsuspecting children from potential danger caused by your pool. Consider taking these safety precautions: 

  • Installing a fence around the perimeter of the pool 
  • Using a safety cover when the pool is not in use
  • Providing accessible safety equipment 

And because your insurance company is taking on the financial risk of insuring your pool, it’s likely they’ll have certain swimming pool insurance requirements for any pool that they agree to cover. These could include security measures like a fence and a cover.

How Do I Get Extra Coverage for My Pool?

Even if your pool is automatically covered by your existing homeowners policy, it might make sense to increase the amount of liability coverage by purchasing umbrella coverage. Umbrella coverage earns its name because the coverage arches over your vehicle and homeowners insurance to provide extra protection beyond the liability limits of your standard vehicle and homeowners policies.

Swim Safely With Farm Bureau

With the right safety measures in place, a home with a pool can bring wonderful summer fun. Swim safely with the right insurance coverage from Farm Bureau. Contact your local Farm Bureau agent today to make sure you have the right policy for your pool.  

Want to learn more?

Contact a local FBFS agent or advisor for answers personalized to you.