Is Your Backyard Pool Covered Under Your Homeowners Policy? 

A backyard pool raises a question many homeowners overlook until a problem arises: Will my insurance cover it? The answer can depend on your policy language, your insurer’s guidelines and your security measures. Here’s what you need to know before your next pool season.

What Does My Policy Say About Pools?

A standard policy can extend some coverage to in-ground pools as a permanent structure on your property, often under other structures coverage. In contrast, above-ground pools may be covered as personal property.

Your policy limits determine how much coverage applies if a pool is damaged by a covered peril such as fire, vandalism or certain weather events.

Managing Pool Liability and “Attractive Nuisances”

A pool is an example of an “attractive nuisance,” meaning it can draw children onto your property even without an invitation. If a guest or a trespasser is injured in or around your pool, you could be held responsible for medical expenses and legal fees.

Our team recommends evaluating your liability limits to check that they are sufficient for the added risk a pool poses. In many cases, we suggest an umbrella policy, which can offer extra coverage beyond the standard limits of your primary insurance.

Safety and Coverage Considerations

Insurers often require or strongly encourage pool owners to implement safety measures. Common recommendations include:

• A fence with a self-latching gate
• Alarms or motion sensors
• Proper lighting around the water area
• Removal or securing of diving boards and slides

Contact Us

Coverage gaps around pools are common and can be easy to miss on your own. Contact D'Arcy D Sampsell LLC to review your current policy and find out whether your coverage matches your exposure.

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.