How would an above-ground pool or, in-ground pool be insured under the homeowner policy?
The above-ground pool would be considered part of the unscheduled personal property, Coverage C, and would be covered on a named perils basis under the homeowner policy. You may want to consider increasing the unscheduled personal property limits on your homeowner policy to include the value of this pool. In certain states, broader coverage is available for above-ground pools to cover such additional hazards as weight of ice or snow, earth movement, animal damage and, damage from sub-surface water. This coverage is available by adding Inland Marine coverage by endorsement to the homeowner policy to specifically insure the above-ground pool. In-ground pools are insured under the Related Structures portion of the homeowner policy. The homeowner package automatically includes 10% of the dwelling limits for coverage under Related Structures. For example, if you are carrying $100,000 on your home, $10,000 coverage would apply to the swimming pool. Please keep in mind the 10% also would appl
