Will Homeowners Insurance Cover Pool? 
In short , the answer is yes . But it needs to be clarified whether you are asking for property damage to the pool itself or liability coverage . Both would be covered barring any specific pool exclusions , which I am not aware of any in the standard market . If someone were to get injured while swimming in the pool , yes , your homeowners policy should cover you for liability . Likewise , if you pool is damaged due to the standard homeowners causes of loss less any standard exclusions then the pool would be covered for property damage to the pool itself . Keep in mind that wear and tear would not be covered under your policy . So if your pool liner rips `` just because '' or the concrete foundation cracks , those would be considered wear and tear . Please note that many insurance carriers are very cautious when writing homeowners insurance on homes that have pools . Some do not like to write them with a pool exposure , some do not mind , so be sure to ask your agent how it might affect your current coverage and future coverage and what the premium impact might be . You also want to strongly consider higher liability limits in purchasing an umbrella or if you already have an umbrella policy then higher umbrella limits . It might cost you $ 150 for each additional $ 1 mil limit . Lastly , if you have a pool and want to make sure you are covered for the proper limits , make sure your coverage B -LRB- other structures -RRB- limit is sufficient to cover any losses to your pool and any other structures i.e. detached garages , sheds as well . 