How Does the Coverage of Your Home Insurance Change If You Have a Pool?

When the temperature rises to an uncomfortably high level, the luxury, convenience, and solitude of having your pool can become an ideal refuge. But whether you’ve been daydreaming of a new in-ground or above-ground pool, adding up the expense can have you envision your lagoon.

Have you ever wondered how much adding a new swimming pool might affect your homeowners insurance beyond the building costs and annual maintenance? Here is the information you need about home insurance with a pool before you commit.

A Simplified Overview of the Homeowners Insurance Process

Your home is shielded from loss or damage by fire, wind, and floods thanks to homeowners insurance. When you have a pool on your property, it’s considered an “add-on” to your home insurance policy.

The cost of a homeowners’ policy varies depending on the coverage you need and where you live. The most common types of coverage include:

  • Property damage liability: This covers any damages caused to other people or their property due to something that happens on your property.
  • Personal injury liability: This protects you from lawsuits filed by people who are injured while on your property.

The cost of adding a pool to your policy will depend on the coverage you need and the location of the pool.

How Does a Pool Affect Homeowners Insurance?

Your homeowners insurance rates may rise if you build a pool since it raises the value of your home.

The cost of adding a pool also depends on the type of coverage you have and where it is located. For example, personal injury liability (PIL) coverage may be more expensive if the pool is in an area prone to flooding.

If you’re considering adding a pool to your home, talk to your insurance agent about the costs and coverage options.

What Does Home Insurance with a Pool Cost?

Since every home, pool, insurer, and policy is unique, there isn’t one solution that applies to everyone. If you have a pool, increasing your liability coverage is unquestionably advised. Depending on your range, this will affect how much your homeowners insurance prices climb. In general, a variety of variables influence home insurance prices, such as:

  • How old your house is
  • Your degree of protection
  • Deductible amount
  • Insurance claims in the past
  • Your credit rating (depending on your state)

Tips for Staying Safe in the Pool

Here are a few tips to help you stay safe while in the pool:

  • Always swim with a buddy.
  • Be aware of your surroundings. If something looks strange, don’t go near it.
  • Don’t drink alcohol or take drugs before swimming. These substances can make you more susceptible to drowning.


While the cost of homeowners insurance goes up with any added features to a home, including a pool, it’s essential to know what components will affect the price and consider your coverage options.

Cover Your Home with CF&P Insurance Brokers

Looking to get home insurance? Reach out to our team at CF&P Insurance Brokers today for a seamless and unforgettable process.

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