What types of damages are covered?
The damages you are covered for depend on what type of insurance policy you have. The most common homeowners policy in the United States will protect your pool from all perils except those specifically excluded in the insurance contract. It is the broadest coverage you can obtain. By contrast, under a less common type of homeowners policy, your pool is protected only against the 17 named perils specifically listed in the contract. Make sure you know what policy type you have. One somewhat common occurrence for which you are not covered — no matter what policy type you have — is damage to your pool by freezing, thawing, pressure, or weight of ice or water. If you live in colder climates, make sure your pool is properly “winterized,” especially if you have an above-ground pool. Liability issues relating to your pool Liability issues relating to your pool are what give insurance underwriters the biggest headache. We’ve all seen the headlines: “Child drowns in backyard pool.” Though this
