With summers getting hotter, many families are seeking relief. Enter the swimming pool—a fun, family-friendly solution to your heat-related woes. Before you break ground for a new pool, consider how it will affect your home insurance.
Does Home Insurance Cover Swimming Pools? 
Yes, home insurance will typically cover your pool.* The coverage that would apply will depend on what type of pool you have and where it is located. An in-ground pool would fall under Cov. A (Dwelling) or B (other structures), depending on where it is located. A pool attached to the home would typically fall under Cov. A while a pool set apart from the home would fall under Cov. B. An above-ground pool would most commonly be considered personal property (Cov. C) as it is not a permanent structure. However, we would review each property to determine the best placement of coverage and take into consideration if there is a permanent deck built around the pool.
Moreover, home insurance does not cover general wear and tear, purposeful damage, or damage caused by neglect.
Does Home Insurance Cover Pool-Related Injuries?
Yes, with proper liability coverage, home insurance can cover medical bills or lawsuits from pool-related injuries and accidents. Pools are considered “attractive nuisances,” meaning they can attract and endanger children. Many cities, towns, and insurers require a fence or enclosure around the pool. If your swimming pool does not meet those regulations, it MAY not qualify for liability coverage. Additionally, while Tower Hill will allow pools with slides and diving boards, it is important to note they are EXCLUDED from liability coverage. As a pool owner, you are liable for any accidents, even if the pool was used without your permission. Therefore, to avoid out-of-pocket costs for medical bills and lawsuits, increase your liability insurance limit or buy a separate umbrella policy.
How Can I Make My Swimming Pool Safer? 
When you own a pool, there is a higher likelihood of an accident on your property. According to the U.S. Consumer Product Safety Commission, an average of 371 children drowned in pools or spas each year between 2018 and 2020. Of these, 80% occurred in residential pools or spas. To prevent injuries and damage, follow these safety tips:
- Install a fence around the pool with a lockable gate and alarm.
- Keep safety equipment, like life preservers and rescue hooks, by the pool.
- Install lights around the pool to prevent slips and falls.
- Use a retractable pool cover for protection and to limit access when not in use.
- Keep the area around the pool clutter-free to avoid accidents.
- Teach children swimming safety and never leave them unsupervised.
- Regularly inspect your pool for damages that could cause accidents.
More Resources:
Keep your pool safe with these pool safety devices.
Watch this PSA from the American Academy of Pediatrics to learn more about pool safety:
Find a Home Insurance Policy that Covers your Pool
* Coverages may vary by policy. Consult your licensed insurance agent with questions regarding coverages specific to your policy.