Does Homeowners Insurance Cover an In-Ground Pool?

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Liability coverage for an in-ground pool requires the homeowner to take certain safety precautions.
Liability coverage for an in-ground pool requires the homeowner to take certain safety precautions. (Image: mgreen2007/iStock/Getty Images)

An in-ground pool is a lot of fun, but it does add risk for a homeowner. A typical homeowner insurance policy might offer two important areas of protection: the cost of repairs for damage under some circumstances and liability coverage in the event that a visitor is injured in the pool area.

Damage Protection

Damage protection for an in-ground pool varies. Some policies cover such a pool as an extension of your home, so you get benefits for most causes of damage up to the policy limit. Other plans cover property damage for specific perils. In this case, your plan may not cover typical ground movement factors that crack and damage the pool. It is important to understand the terms of your own policy and to explore add-on benefits.

Liability Benefits

Liability benefits are standard in a homeowner insurance policy. Thousands of people are injured or drown in pool accidents each year. A homeowner policy pays for medical costs and a legal defense when someone is harmed in your pool. Standard policies cover $100,000 per person and $300,000 per accident. Some homeowners ramp up coverage to $300,000 per person and $500,000 per accident because of increased risks. Your insurer may require that you have a gate and a locked door outside the pool, and that minors use it only under supervision.

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