The type of coverage you need for your pool will depend on several factors. An above-ground pool that isn't secured is considered portable and will be covered by the “personal property” portion of your home insurance policy. When an above-ground pool is permanently secured in some way, it will be covered under the “other structures” portion of your policy. This will also apply to inground pools that are permanent and also more secure. Because most of the pool is underground, there is less risk of damage from storms or falling objects.