You can get swimming pool insurance with a home and contents policy. However, the type of insurance you need will differ if you have an in-built or above-ground pool.
If an insurer provides cover for your pool, it will cover it under either the home or contents section of your policy, depending on the type of pool you have. The following table outlines the providers with Finder that cover pools.
| Insurer | How it's covered |
|---|---|
 | Home insurance. Cover for loss or damage to swimming pools, spas and saunas, including their accessories, but not their contents. Contents insurance. Cover for loss or damage to above-ground swimming pools, inflatable swimming pools or portable spas that can be moved from the site, including their accessories, but not their contents. Breakage of glass, ceramic and sanitary fixtures including pool fences. You are not covered for water in a swimming pool or spa and their liners and/or covers. You are not covered for accidental damage or loss to swimming pools, spas or any associated equipment. |
 | Home insurance. Cover for loss or damage to swimming pools, spas and saunas that are permanent fixtures at the insured address, including their accessories. Contents insurance. Cover for loss or damage to above-ground swimming pools, inflatable swimming pools or portable spas that can be moved from the site, including their accessories. Accidental breakage of glass, ceramic and sanitary fixtures including pool fences. No cover for the liner and/or cover of a swimming pool or spa, or water in a swimming pool or spa. |
 | Home insurance. Cover for permanently fixed swimming pools, saunas, spas and tennis courts, including their fixed fittings and fixed accessories. Contents insurance. Cover for items designed for use outside which aren't permanently fixed (Quality Care and Premier Care only) e.g. above-ground swimming pools, mobile BBQ, outdoor furniture. No cover for plastic liners or covers for swimming pools or spas, or water in swimming pools or spas. |
 | Home insurance. Cover for permanently fixed swimming pools, saunas, spas and tennis courts, including their fixed fittings and fixed accessories. Contents insurance. Items designed for use outside which aren't permanently fixed (Quality Care and Premier Care only) e.g. above-ground swimming pools, mobile BBQ, outdoor furniture. No cover for plastic liners or covers for swimming pools or spas, or water in swimming pools or spas. |
Home insurance should cover your pool. If you have an in-ground swimming pool, it's likely that it will be covered by your building home insurance, which protects your house and other structures on your property, like an in-built pool.
If your pool is not secured to the ground, it's more likely to be covered by your contents insurance, which looks after belongings and items like furniture, whitegoods and other appliances such as your TV.
Most home and contents insurance policies come with liability cover. This means that if one of your guests at the insured property is injured using your pool and it's your fault, your insurance will pay for any associated damages.
Legal liability cover usually ranges from $10 million to $20 million depending on your policy. This covers you for any illness, injury or death that is suffered by somebody on your property, including incidents related to the pool, as well as any loss of or damage to someone's property.
Yes, but only if you have contents insurance. It won't be covered under building insurance (unless you get home and contents insurance) because above-ground swimming pools are not permanently fixed to the property. However, contents insurance generally provides cover for loss or damage to items that are not fixed to the property such as above-ground swimming pools, inflatable swimming pools or portable spas.
To ensure your above-ground swimming pool is insured, you'll need to take out a standalone contents insurance policy or get combined home and contents insurance.
Yes. Spas are usually covered in the same way as swimming pools. Once again, the cover you need will depend on the kind of spa you have e.g. fixed or not fixed. Here's how they're ordinarily covered:
Most providers offer home and contents insurance together, which is generally cheaper than two separate policies, so this probably isn't something you'll need to worry about. It's really only if you buy a standalone home insurance or contents insurance policy. For example, if you rent, you probably only need to have contents insurance, since the landlord will be taking care of the property.
General home insurance exclusion applies to pools. Some exclusions include:
You pay nothing. Finder is free to use. And you pay the same as going direct. No markups, no hidden fees.
You save time. We spend 100s of hours researching home insurance so you can sort the gold from the junk faster.
You can trust us. We say it like it is. We aren't owned by an insurer and our opinions are our own.
An easy explanation of home insurance for first home buyers.
Want to protect important items like your phone and laptop but reluctant to fork out on contents insurance? Single item insurance might be for you.
Find out how home insurance can cover water damage and how to avoid some of the pitfalls.
Camera insurance is a must-have if you carry a lot of expensive gear. Find out how to get cover through either contents insurance or speciality camera insurance.
Discover what impacts the cost of home insurance and how to get the right protection with this handy guide.
Home insurance protects you, your home, and your family from a range of unexpected events. Finding the right home and contents insurance in NSW is no easy task. This guide will teach you what to look for in a policy.
Motor burnout covers those big appliances in your home in the event that they let you down. This article will show you what it is, why it's important and how much it can cost you.
Protect your home against storm, flood and rainwater damage with the help of this comprehensive guide.
Home warranty insurance, also known as builders warranty insurance and home indemnity insurance, is designed to offer protection for homeowners against faulty building work.
Tiles lifting around in ground pool area is that covered by home and contents insurance
Hi Neville,
It depends on whether an insurable event has happened, such as a storm that has caused damage to the pool/tiles. Your best bet is to contact your insurer and explain the situation to see if your policy specifically covers it.
Best of luck!