Does Homeowners Insurance Cover Swimming Pools? 
Homeowners Insurance does cover Swimming Pools as ` Other Structures ' which is usually 10 % of the Dwelling Coverage amount on the policy . A swimming pool is covered for the same perils that cover the home . The most common covered claim for a swimming pool would be a liability claim or medical payments claim for a slip and fall injury ; some insurance carriers will not insure a home with a pool if there is a diving board or slide in order to avoid this risk . One of the more common questions regarding a swimming pool is coverage for cracks in the pool . Cracks are usually caused by land movement or earthquakes ; this is not covered on a homeowners policy . Earthquake coverage would need to be purchased to cover this sort of damage to a swimming pool ; however , the deductible and special limits will apply to swimming pools . Please review your coverage details prior to purchasing coverage . 