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It depends on what you mean, Covered for what kind of loss?

Your renters insurance covers your personal property and certain of your liabilities to others, generally the owner of the rented property and your guests.

If you somehow accidentally damaged the pool in a home you rented then there may be coverage under the liability portion of your renters insurance policy.

If the pool suffered a weather related loss or damage from ground movement or another natural act then that would be covered under the property owners insurance policy. You don't own the pool, the landlord does and if you didn't break it then your not responsible for it beyond whatever agreed maintenance you were to perform.

If the pool just needs maintenance, cleaning, repair or servicing then no that's not covered at all as it is not considered a loss, it's just normal expected maintenance that all pools need.

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10y ago
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12y ago

You cannot estimate premiums in a forum like this. There are far too many factors that go into rating insurance. I assume that you are the one renting and living in the property. If so what you need is a homeowners form HO-4 which covers your contents and liability. All homeowners insurance companies that I have dealt with in 23 years as an agent do not charge any more for having a pool or not. They do insist that pools have a legal fence and gate which is usually required by the State anyway. What you need is a four foot fence and the gate must be the kind where you reach over it to pull the latch. This is for the safety of children that are unsupervised and may wander into the pool area. Independent Agents represent several insurance companies and can shop for the best rates and coverage for you.

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Q: Will renters insurance cover a in ground pool?
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