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Here’s a list of home insurers that can cover your pool. To be on the safe side, a home and contents insurance policy can cover your physical swimming pool but also, other damages it may cause to your place (i.e. if water escapes and damages your property). Filter through different policy types.
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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.
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:
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Gary Hunter is a writer at Finder, specialising in insurance. He’s been writing about life, health, travel, home and pet insurance for over three years, has pored over hundreds of product disclosure statements and written more than 500 insurance articles. Gary is passionate about helping Aussies understand their insurance policies so that they can get better value for their money.
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