Pools increase the risk of injuries and deaths, particularly if the pool has a slide or a diving board. These risks are covered by liability insurance.

Insurance companies do not automatically adjust rates upward if a homeowner installs a pool. However, the insurance company is very likely to urge the homeowner to increase their liability coverage.

The homeowner can decline the additional liability coverage, but most take it. When your pool is removed, you can remove the additional coverage.


Pools can also be damaged by storms or other unforeseen events. Your homeowner’s policy protects against damage to “additional structures” such as a pool up to 10% of the value of the house. Therefore, if your house is worth $400,000, you are covered for damage to $40,000 of additional structures.

If the value of your pool, sauna, and any other structures exceeds this 10% figure, you may have additional coverage for that as well. Removing the pool may allow you to reduce or eliminate this “additional structures” coverage.

what is this kind of insurance called?