Owning a home with a swimming pool can feel like a dream come true. It adds value to your property, creates a space for family fun, and provides a private place to relax. However, while pools are a luxury, they also come with risks—and that’s where homeowners insurance for houses with swimming pools becomes crucial.
In this guide, we’ll cover everything you need to know about insuring a property with a pool, including coverage options, costs, safety requirements, and tips to keep your premiums affordable.
Why Swimming Pools Affect Homeowners Insurance
Insurance companies view swimming pools as an “attractive nuisance”—a feature that, while enjoyable, poses potential safety risks. Since pools increase the likelihood of accidents or liability claims, insurers typically adjust your policy to reflect the added risk.
This can impact:
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Premiums – Expect slightly higher insurance costs.
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Liability coverage – Pools increase your exposure if someone gets injured.
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Coverage limits – You may need additional protection to cover accidents or property damage.
What Homeowners Insurance Covers for Pools
When you own a pool, your standard homeowners insurance policy often provides protection in two main areas:
1. Liability Coverage
If a guest or even a trespasser gets injured in your pool, you could be held legally responsible. Liability coverage helps pay for:
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Medical bills
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Legal expenses
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Settlements or judgments
Tip: Many homeowners increase their liability coverage to at least $500,000—or even purchase an umbrella policy for added peace of mind.
2. Property Coverage
If your pool is damaged by a covered peril (like a fallen tree, vandalism, or certain weather events), your homeowners insurance may help pay for repairs or replacement. However, coverage depends on whether your pool is:
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Above-ground – Typically treated as personal property.
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In-ground – Usually covered under “other structures” in your policy.
Note: Damage caused by neglect, lack of maintenance, or natural wear and tear is not covered.
Safety Requirements for Insuring a Home with a Pool
Insurance providers often require homeowners to follow specific safety measures before insuring a house with a pool. These include:
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Fencing: Most insurers require a fence at least 4 feet tall with a self-latching gate.
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Pool covers: Safety covers can reduce risks of accidental drowning.
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Locked gates: Helps prevent unsupervised access.
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Alarms & lighting: Some companies offer discounts if you install motion alarms or underwater pool alarms.
Meeting these requirements not only makes your home safer but can also lower your premiums.
How a Pool Affects Insurance Costs
The cost of homeowners insurance with a pool varies depending on location, insurer, and pool type. On average, homeowners may pay $50–$150 more per year for insurance.
Factors that influence cost include:
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Type of pool (above-ground vs. in-ground)
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Diving boards or slides (considered higher risk)
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Local regulations
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Safety features installed
Tips for Saving on Homeowners Insurance with a Pool
Owning a pool doesn’t have to mean sky-high premiums. Here are smart ways to keep your insurance affordable:
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Increase safety features – Fencing, pool alarms, and covers reduce liability risks.
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Bundle policies – Combine home and auto insurance with the same provider for discounts.
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Shop around – Compare multiple insurers to find the best rates for homes with pools.
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Raise your deductible – Opting for a higher deductible can lower monthly premiums.
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Consider umbrella insurance – Provides extra liability coverage at a reasonable cost.
Is a Pool Worth the Insurance Cost?
While a pool does increase your homeowners insurance premium, the added coverage is essential for protecting yourself financially. Without it, a single accident could result in medical bills or lawsuits costing hundreds of thousands of dollars.
If you’re planning to build or buy a home with a pool, factor in both maintenance costs and insurance requirements. In most cases, the enjoyment and property value a pool brings far outweigh the additional insurance expense—especially if you take steps to minimize risks.
Final Thoughts
A swimming pool is a fantastic addition to any home, but it comes with responsibilities. Homeowners insurance for houses with swimming pools ensures that you’re financially protected against accidents, injuries, or damages.
By choosing the right coverage, installing safety features, and comparing insurance providers, you can enjoy your pool with peace of mind—knowing you and your loved ones are protected.
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