Summer is peak backyard season, and for many homeowners in Southwest Michigan and Northern Indiana, that means pool time. Whether you have an in-ground pool, an above-ground model, or you’re thinking about installing one this summer, there’s an important insurance conversation you should have before anyone dives in. Pools are a wonderful source of family fun — but they’re also one of the most significant liability exposures a homeowner can have. Here’s what you need to know to make sure your coverage matches your backyard reality.
Does My Homeowners Policy Cover My Pool?
The short answer is: yes, usually — but it’s more complicated than that. An in-ground swimming pool is typically considered a permanent structure and is covered under the ‘other structures’ portion of your homeowners policy, which is usually set at 10% of your dwelling coverage limit. An above-ground pool may or may not be covered depending on whether it’s freestanding or attached to a deck or structure. The bigger issue isn’t damage to the pool — it’s the liability that comes with it.
The Liability Problem: Why Pools Increase Your Risk
In insurance terms, a swimming pool is considered an ‘attractive nuisance’ — something that can draw in children or others who might injure themselves, even without your permission. If a child wanders into your yard and is injured in or around your pool, you could face significant liability even if you weren’t home. Standard homeowners liability coverage typically ranges from $100,000 to $300,000. Depending on your assets and the severity of an injury or lawsuit, that may not be enough. This is exactly why we recommend pairing pool ownership with an umbrella policy, which extends your liability protection by $1 million or more at a very modest annual cost.
What About Pool-Related Injuries to Guests?
Accidents happen — even with the best precautions. If a guest is injured at your pool, two coverages come into play: Medical Payments coverage, which pays for a guest’s medical bills regardless of fault (typically in smaller amounts, often $1,000–$5,000), and Personal Liability coverage, which protects you if you’re sued for negligence. The important thing is to ensure your liability limits are appropriate for your situation. If you have a pool, have recently added a pool, or are planning to install one, call us to review and adjust your coverage before the season gets underway.
Does the Insurance Company Need to Know About My Pool?
Yes — and failing to disclose it could jeopardize a claim. When you install a pool, you should notify your insurance company. Your insurer may want to know the type of pool, whether it’s fenced, whether you have safety features like a locked gate or pool cover, and whether it has a diving board or slide. Certain features like diving boards can actually increase your premium or result in exclusions. Being upfront protects you, and in some cases, adding safety features like a locked fence can actually lower your rate.
Smart Safety Measures That Also Help Your Coverage
- Install a four-sided fence at least 4 feet tall with a self-closing, self-latching gate
- Add a pool alarm that detects motion or immersion
- Use a safety cover when the pool is not in use
- Post safety rules and keep rescue equipment nearby
- Consider a ‘swim at your own risk’ sign (though this does not eliminate liability)
- Ensure all family members know basic water safety and CPR
The Bottom Line
A pool is a wonderful investment in your family’s quality of life — but it comes with real insurance responsibilities. The worst time to find out you’re underinsured is after an accident. Whether you already have a pool or are planning to install one this summer, let’s have a conversation. At John Scott Insurance Agency, we specialize in making sure Michigan and Indiana families have the right coverage for their real lives — including the fun stuff. Call us today, or reach out through our website to schedule a free policy review. We’re here to help you enjoy your summer with peace of mind.