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What claims would an inground pool be covered for?

Updated: 8/19/2019
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12y ago

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An in-ground pool would be covered under section B of a homeowners policy as "Other Structures". Coverage is generally on an "Actual Cash Value" or ACV basis and the covered caused is based on the policy. The normal items such as Windstorm, Fire, Lightning, Weight of Ice and Snow, Vehicle Collision, Vandalism, etc. are covered depending of which policy form you have. Remember that maintenance items are never covered on a homeowners policy and that only covered caused are covered. Causes that are covered are generally "Sudden and Accidental" and damage that happens over time or that you are aware of or should have been aware of are not covered. For example, and pipe leak that happened over a time and is not covered whereas a pipe that burst is sudden and accidental. The actual cost of the $1.99 of pipe is not covered but the $6,500 of damage the water caused is covered.

Remember that insurance is designed to keep you out of financial hardship. I think of it as being for big things and not little ones. You never want to get a track record of filing frequent claims whether big or little so you pay for small items and save insurance for the big ticket items. If not you will find your self cancelled and unable to attain affordable insurance premiums.

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Q: What claims would an inground pool be covered for?
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