Does Homeowners Insurance Cover a Pool?

Yes — a pool is usually covered as an ‘other structure,’ and your liability coverage protects you if a guest is injured. But pools raise your liability risk.

By the Home & Dime Editorial Team · Updated 2026

Covered

• Pool damage from a covered peril.
• Liability if a guest is hurt.

Consider

• Higher liability limits or an umbrella policy — pools are an ‘attractive nuisance.’
• Safety features may be required.

Frequently asked questions

Does it raise my premium?

Often yes — pools increase liability risk.

Should I raise liability limits?

Yes — many pool owners add umbrella coverage.

Related guides

• What does homeowners insurance cover?

Sources: Insurance Information Institute (iii.org); Consumer Financial Protection Bureau; FEMA; state Departments of Insurance. General information, not insurance advice.