Home Home insurance Claims Are pools and hot tubs covered by homeowners insurance? Are pools and hot tubs covered by homeowners insurance? Yes, pools and hot tubs are covered by homeowners insurance, but you will likely have to pay a higher premium. Written by: Nupur Gambhir Nupur Gambhir Nupur Gambhir is a content editor and licensed life, health, and disability insurance expert. She has extensive experience bringing brands to life and has built award-nominated campaigns for travel and tech. Her insurance expertise has been featured in Bloomberg News, Forbes Advisor, CNET, Fortune, Slate, Real Simple, Lifehacker, The Financial Gym, and the end-of-life planning service. | Reviewed by: Laura Longero Laura Longero Laura Longero is a content strategist and communications leader with more than 15 years of experience in content development in journalism, marketing and communications for start-ups to global companies. She started her career as a reporter and editor and honed her journalistic skills at the USA Today Network, working in several roles, as well as managing content and writing at MoneyGeek and XYZ Media. | Updated on February 1, 2023 Why you should trust Insure.com Quality Verified At Insure.com, we are committed to providing honest and reliable information so that you can make the best financial decisions for you and your family. All of our content is written and reviewed by industry professionals and insurance experts. We maintain strict editorial independence from insurance companies to maintain editorial integrity, so our recommendations are unbiased and are based on a comprehensive list of criteria. What’s not to love about installing a pool or a hot tub in your home? Many Americans understand the appeal, with pools in about 10.4 million homes and hot tubs in about 7.3 million American homes. However, having a pool or hot tub has implications for your homeowners insurance — these additions to your home are considered attractive nuisances, or something that might cause damages. Because of this, many insurers will require you to get more coverage to protect against any expensive accidents. But while you may pay a higher premium, the extra coverage is a necessary safeguard against any liabilities having a pool or hot tub can cause. Does homeowners insurance cover a pool? Yes. Homeowners insurance covers pools, but you may need to add additional coverage to your policy since it is an additional feature in your home, and increases the risk of an accident. Most policies offer robust coverage and will reimburse you for: Medical expenses if a guest is injured in your pool Legal fees if someone is injured in your pool and sues you Damage to your pool caused by a covered peril, such as a fire or lightning However, homeowners insurance won’t cover damage to your pool that happened over time, was due to its use, or happened due to negligence. The part of your policy that covers your pool depends on what type of pool you have and your insurer. Insurers will either use your dwelling coverage, other structures coverage or your personal property coverage to insure your pool. And depending on the insurer, an in-ground pool will be considered a part of your home’s structure or an additional structure on your property. Above-ground pools may be classified as your personal property or as an additional structure. In short, these stipulations mean that every homeowners insurance policy treats pool ownership differently, and what you’ll pay will depend on many factors. Get a quote from multiple insurers to find the lowest rate. How does having a pool impact your liability coverage? Liability coverage pays for damages such as bodily harm or personal property damage. For example, if someone slips and falls by your pool and has to go to the hospital, your liability coverage would pay for their medical expenses. If this person sued you, it would also cover the costs of the lawsuit. If you have a pool, your homeowners insurance company may require you to purchase additional liability coverage. While most homeowners insurance policies have liability coverages ranging from $100,000 to $500,000, the Insurance Information Institute (III) recommends pool owners get at least $300,000 in liability coverage. Does homeowners insurance cover a hot tub? Yes. Similarly to pools, you will have liability coverage if someone is injured in your hot tub or if your hot tub is damaged by a covered peril. But again, any damage caused by negligence or use over time is not covered. Some insurers don’t automatically offer coverage for a hot tub, and may require you to add an endorsement to your policy in order for it to be covered. QuickTake Home insurance claims – How to file and what you should know Does homeowners insurance cover water leaks? Can my homeowners insurance get canceled because my house is empty? Guide to the insurance claims history report (CLUE) How much do claims increase home insurance rates? Does homeowners insurance cover storage units? How to protect your home from lightning strikes Does homeowners insurance cover mold? Does homeowners insurance cover a leaking washing machine? How to file a successful mold claim Does homeowners insurance cover tornado damage? If the roof on my house caves in due to the weight of snow, is this covered by home insurance? Can insurance companies enter your house or examine your car? Don't get snookered by fake roof damage scams The basics of sewer backup insurance Don't try this at home: Easy ways to mess up your home insurance claims Does homeowners insurance cover power surges and outages? Is carpenter ant damage covered by homeowners insurance? Rotten or Sagging Floors: Does homeowners insurance cover rotting wood? What to do when lightning hits your house Chain saw massacre: Insurance for downed trees How your fire department's rating affects your home insurance bill My husband fell in our home and broke his ankle. Will our homeowners insurance cover this since the accident happened in our home? My dad passed away and we need to find the homeowners insurance policy. What should we do? Before you know it, your kitchen is on fire One of my trees fell into my neighbor's yard last night during a storm. It did not cause any damage. Do I need to call my home insurance company to file a claim? Is it legal for my home insurance company to drop my coverage after filing claim? That's gross! Why home insurance won't pay for disgusting problems We left a faucet turned on in my home and it caused water damage Home insurance policies cover damage from trees downed by ice and snow The trouble with drunk friends Homeowners premiums fluctuate with community's fire-fighting ability See more > Does a pool or a hot tub increase the price of homeowners insurance? It may. If you need to add additional coverage to your homeowners insurance policy or purchase an endorsement because of your hot tub or pool, you’ll have to pay more for homeowners insurance. How much more you’ll pay, exactly, depends on your coverage amount, the house and where you live. Additional factors, such as whether your pool has a diving board, also may impact how much you pay. If you have a hot tub or a pool, consider shopping around for a policy to make sure you end up with the right insurer. Some insurers may offer you more coverage at a lower price than others. While having a pool or hot tub will increase your homeowners insurance premiums, the extra protection is absolutely necessary in case of an accident. However, by practicing the best safety tips around your pool or hot tub, you may never have to use that coverage. Keep the area child-safe, well-lit, dry and always supervise activity in a pool or hot tub. Nupur GambhirManaging Editor | . .Nupur Gambhir is a content editor and licensed life, health, and disability insurance expert. She has extensive experience bringing brands to life and has built award-nominated campaigns for travel and tech. Her insurance expertise has been featured in Bloomberg News, Forbes Advisor, CNET, Fortune, Slate, Real Simple, Lifehacker, The Financial Gym, and the end-of-life planning service. In case you missed it What is HO-6 insurance? Average home insurance cost in 2023 What is dwelling coverage and how much do you need? Personal liability insurance: What it is and why you need it Renters insurance quotes: Compare rates Hurricanes and home insurance: 14 key questions answered Replacement cost policies for your home: Getting what you pay for How much do claims increase home insurance rates? Mobile home insurance: What does it cover and how much does it cost? Homeowners insurance basics Home Insurance Advisor The Best Cheap Homeowners Insurance of 2021: Guide How much flood insurance do I need? How to bundle home and auto insurance policies to save money The largest home insurance companies by market share Home Insurance Discounts Guide to dog liability insurance: cost and coverage Do you have an emergency go-bag? Most Americans don’t 1/1 Related Articles Home insurance claims – How to file and what you should know By Chris Kissell Homeowners insurance basics By Shivani Gite Guide to additional living expenses coverage By Lena Borrelli What is dwelling coverage and how much do you need? By Lena Borrelli Does homeowners insurance cover water leaks? By Nupur Gambhir Cost of living comparison by state By Chris Kissell Table of contents Does homeowners insurance cover a pool? How does having a pool impact your liability coverage? Does homeowners insurance cover a hot tub? Does a pool or a hot tub increase the price of homeowners insurance? Get instant quotes now ! Please enter valid zip Get quote