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Does My Homeowners Insurance Cover My Pool?

Homeowners insurance covers Miami Beach, FL, swimming pools in two different ways. First, should the pool be damaged, homeowners insurance can help pay for repairs. Additionally, if a guest becomes injured in your pool, your homeowner’s liability coverage can pay for injury-related expenses. The experts at Assure-Us are ready to answer any questions you have about your homeowner’s insurance and how it protects you and your pool. 

Pool Damage

If your pool becomes damaged by one of the risks outlined in your homeowner’s insurance policy, it should be covered. Most policies state covered risks include fire or falling objects, such as a fallen tree. 

Types of Pools

The coverage that applies to your pool’s damage depends on the kind of pool you own. Some insurance policies cover these pools under the other structures’ coverage if you own a permanently installed above-ground pool or an in-ground pool. However, if you have an above-ground, portable pool you can move with you, you may have coverage under your property protection coverage. 

Liability Coverage

Most homeowners insurance policies have liability coverage and can protect you should a guest get injured in or around your pool. If a guest gets injured at your pool, you could be responsible for the medical or legal expenses from the incident. Liability protection is a standard part of homeowner’s policies, but you will need additional protection if you have a pool. 

Extra Precautions

To help reduce the risks of damage to your pool or someone becoming injured put safety measures in place. For example, trim back trees that could fall into the pool, put up a fence, and have safety equipment near the pool. 

Homeowners in Miami Beach, FL can have peace of mind knowing their homeowner’s insurance policy covers their pool. For additional information about homeowners insurance and swimming pool coverage, call our experts at Assure-Us. 

Our Insurance Partners

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