Does Homeowners Insurance Cover Pool Leaks? 
If you have the right type of homeowners coverage , this question would be easier to answer . The right type of homeowners coverage would cover your property , both real property -LRB- your home , garage , built in pools , etc. -RRB- and personal property -LRB- clothing , furniture , dishes , yard fixtures , things you could take with you if you moved -RRB- for damage unless there is a specific exclusion or limitation in the policy that says it doesnt . I dont think you will find a specific exclusion or limitation for a pool leak but you will find one that says damage caused by wear and tear or deterioration , or inherent vice would not be covered . So the issue would be , why did the pool leak ? If the liner simply wore out from age or there was a defect , you probably wont be covered . But if neither of these apply ; you may find coverage for the damage . Unfortunately , most people dont have the right homeowners policy . Their policies limit coverage on personal property -LRB- such as above ground pools -RRB- to specific named perils . I call these the wrong kind of homeowners policies . If you have this type of policy , you must show the insurance company the damage was caused by one of the named perils . A pool leak is not a named peril . Under that type of policy , I think you are going to be out of luck . 