Does My Home Insurance Cover My Backyard Pool?
A backyard pool is the perfect way to enjoy Ohio’s warm months — a place for family fun, exercise, and relaxation. But owning a pool also comes with risks that many homeowners don’t fully consider. Will your home insurance cover damage to your pool? What about injuries to guests? Understanding how pools impact your homeowners policy can save you from costly surprises.
Are Pools Covered Under Homeowners Insurance?
Most standard homeowners insurance policies include coverage for structures on your property — which typically covers pools, whether they’re in-ground or above-ground. Pools fall under the “other structures” portion of your policy, which usually covers things like fences, sheds, and detached garages.
However, there are important details to keep in mind:
Coverage Limits: Other structures coverage often has a limit equal to about 10% of your dwelling coverage. If your pool cost $40,000 to install, but your other structures limit is only $10,000, you might be underinsured for repairs or replacement.
Covered Perils: Pools are protected against damage from covered perils such as fire, vandalism, or storms. Damage due to wear and tear or lack of maintenance is usually not covered.
What About Liability for Pool Injuries?
One of the biggest risks for pool owners is liability. If someone is injured while using your pool — whether a guest, a neighbor’s child, or even a delivery person — you could be held legally responsible.
Homeowners insurance includes liability coverage that helps protect you in these situations, covering:
Medical bills for the injured party
Legal fees if you’re sued
Settlements or judgments against you
But pool-related injuries can be costly, and it’s important to make sure your liability limits are sufficient to cover a serious accident.
Safety Requirements Insurers Expect
Because pools increase liability risks, insurance companies often require certain safety measures to keep coverage valid and premiums reasonable, such as:
Proper fencing and locked gates to prevent unauthorized access
Pool alarms or covers
Clear signage for safety rules
Regular maintenance to prevent hazards like slippery surfaces or broken equipment
Failing to meet these requirements could lead to denied claims or higher rates.
Do You Need Extra Insurance for Your Pool?
If your pool is a major investment or if you frequently host pool parties and guests, consider these options:
Increase Your Liability Limits: Typical homeowners policies offer $100,000 to $300,000 in liability coverage — but serious injuries can exceed this quickly. Raising your limits or adding an umbrella policy can provide extra protection.
Review Your Other Structures Limit: Make sure the value of your pool is fully covered under the other structures portion or add a scheduled personal property endorsement if needed.
Consider a Pool-Specific Endorsement: Some insurers offer riders specifically for pools and related equipment, giving you broader coverage for things like damage from freezing or accidental breakage.
How Hixson & Malinowski Insurance Can Help
At Hixson & Malinowski Insurance, we understand that a pool isn’t just a luxury — it’s part of your lifestyle and your home’s value. We’ll help you:
Review your current homeowners policy to check pool coverage and limits
Recommend liability coverage that fits your risk level
Suggest safety upgrades insurers want to see
Shop for policies and endorsements that protect your investment fully
Owning a backyard pool can be a wonderful source of enjoyment — but it also brings unique insurance considerations you shouldn’t overlook. Make sure your homeowners insurance covers your pool’s value and protects you from potential liability. Contact Hixson & Malinowski Insurance today to ensure you have the right coverage to dive into summer with confidence.
