How Adding A Pool Will Affect Home Insurance


There are a lot of factors that go into the monthly costs of a home, and the way your home interacts with your home insurance payments might not be as straightforward as you might think. When you renovate your home, either to keep it in working order or just to make an addition that you really want, its value is directly affected and this will increase the cost to maintain it going forward in a number of ways. If you are interested in learning how a swimming pool might affect your home insurance, here is some information to consider.

Swimming Pool Requirements

Simply digging any old hole in the ground and filling it with water isn’t a great way to get an insurance company to give you pool insurance. Insurance coverage costs will be determined by things like whether or not you have installed a fence around your pool if your backyard is easily accessible, making sure your pool is up to code, whether or not it has a slide or diving board, and whether it is regularly maintained. Maintenance that you might need to conduct includes draining it in the winter; since water expands when it freezes, your pool has a decent chance of cracking if it’s full when it freezes.

The Costs

The cost of insurance will itself compound with the general costs and expertise required to maintain a pool, so you should make sure to budget for the costs surrounding the circumstances of this addition as well. One-time expenses like hiring pool builders in Tampa, FL to help with pool installation aren’t as big of a deal when it comes to your long-term plans, but the cost of chemicals like chlorine and muriatic acid will be something that you’ll probably need to restock regularly. While these sorts of costs might not always have a direct relationship with your home insurance, some policies might require you to keep your pool well maintained and in good repair anyway. Anything you can do to prove that you are a responsible pool owner and that the damage was indeed caused by circumstances covered by your insurance will help you with your insurance claim should you need to make one. That being said, if you don’t think you are going to need flood insurance or if your location doesn’t experience hail damage, then you might not need to pay for those coverage options.


Insurance costs, ultimately, are a calculation based on how likely the insurance company is going to need to fulfill its end of the bargain. Even after you have Googled “home insurance compare” and have looked at all of your home insurance quotes to find a reasonable policy, you still might have to pay a fair amount of money if you are found to be at fault for the damage to your pool. You might even be found liable for other people’s injuries in your backyard if your swimming pool is involved in the incident under “attractive nuisance doctrine” or if your pool is not sufficiently cordoned off from the public. It is for these reasons that you should also pay close attention to what is called “liability insurance,” which will help cover costs even when you are considered to be at fault under local laws.

If you have a swimming pool it is generally recommended that you seek additional coverage from your insurance broker. Swimming pools, while enjoyable, can be dangerous if not properly handled so you can expect your home insurance quote to be more expensive than it might be otherwise.

Personal property coverage for swimming pools is not cheap so finding the best price for the pool design you want is obviously desirable. However, finding good home and pool insurance coverage options isn’t quite the same as looking for car insurance coverage, so make sure you know what you are looking for so you can find the best rate for your money.

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