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Are swimming pools covered under home insurance?

Vidhu Bajaj avatar
Vidhu Bajaj
- 4 min read
Are swimming pools covered under home insurance?

Key highlights

  • Home insurance typically covers permanent structures like in-ground swimming pools, while portable or above-ground pools may fall under contents insurance. Bundled policies can provide comprehensive coverage for both your home and its contents, including pools.
  • Damage to your pool's structure is usually covered, as well as leaks and water damage, provided the damage is caused by insured events. is usually covered, but collapses due to poor maintenance or negligence may not be. Pool leaks and resulting water damage may be covered if caused by insured events, but age-related wear and tear is generally not covered.
  • Coverage for pool equipment like pumps and filters may vary, and add-on coverage may be needed for certain items. Having a pool can affect your insurance premium, with factors like pool type and location influencing the cost. Disclose the presence of a pool to your insurer to avoid rejected claims.
  • Home insurance typically covers permanent structures on your property, such as your primary residence, garage, and often your in-ground swimming pool. However, portable or above-ground swimming pools may fall under contents insurance in some cases. Contents insurance can also extend to items related to your pool, such as accessories and furniture, in cases of theft or damage due to covered events like storms, fire, or vandalism.

    Some insurers offer combined packages that provide coverage for both your home and its contents. This comprehensive option can include coverage for in-ground and above-ground pools, and more. Opting for a bundled policy may also be more cost-effective than buying two separate policies for your home and its contents.

    It’s worth noting that insurance policies can vary significantly in their coverage. While a standard home insurance policy typically covers accidental damage to your property caused by events like storms, fires, or theft, it's essential to understand the extent of this coverage when it comes to your swimming pool.

    Before purchasing any policy, remember to carefully review the insurer's Product Disclosure Statement (PDS) to understand the exact level of coverage offered and any customisation options. This will help you pick a policy that aligns with your unique needs and provides the necessary protection.

    Can you claim your home insurance for damage to your pool's structure?

    Damage to your pool's structure caused by insured events, such as storms or fires, is usually covered by home insurance. However, if your pool collapses due to poor maintenance or negligence, your insurer is unlikely to pay for the repairs. 

    Leakage is a common headache for pool owners. Pool leaks can stem from structural damage or plumbing issues, resulting in water seepage that can potentially harm the surrounding areas. In such cases, professional assistance is often necessary to detect and rectify these issues.

    When paying the cost of these repairs, your insurance coverage may come into play if the structural damage resulted from an insured event, such as a storm. However, it's important to note that insurers generally don’t cover age-related wear and tear to the pool.

    Pool leaks can sometimes lead to damage beyond the pool itself, affecting other areas of your property. Some insurance providers may offer coverage for accidental water damage to your property due to leakage or overflowing that could not have been reasonably foreseen or prevented through regular maintenance.

    Does home insurance cover the equipment in your pool?

    Pool equipment, like pumps, filters, and heaters, is essential for maintaining your pool. While some homeowners insurance policies offer coverage for these items if they are damaged due to insured events, remember to review your policy to understand the extent of coverage for pool equipment.

    For example, some home insurers specifically exclude damages to the electric motor of your swimming pool water pump. You may need to purchase an add-on cover for motor burnout to include the pool pump's motor in your insurance policy.

    Does having a pool on your property affect your insurance premium?

    Insurance companies often perceive swimming pools as potential safety risks, which may increase your home insurance costs. However, a pool’s precise impact on your premium can vary significantly. Insurers consider multiple factors, including the pool type and its location on your property, when assessing the associated risk.

    To ensure you're getting a competitive deal, it could help to compare quotes from different insurers. Remember to carefully review each insurer's PDS to ensure you're obtaining the necessary level of protection.

    Even though pools can add to your insurance premium, it's crucial to disclose the presence of a pool to your home insurance provider. Failing to do so can lead to rejected claims, as your pool is unlikely to be covered if the insurer wasn’t informed at the time of purchasing the policy.

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    Product database updated 22 Jun, 2024

    This article was reviewed by Personal Finance Editor Mark Bristow before it was published as part of RateCity's Fact Check process.