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Pool insurance
Looking for pool insurance? The right home insurance policy can cover you.
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Looking for pool insurance? Your search starts here.
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.
How do insurers cover pools?
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. |
Does home insurance cover my pool?
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.
How do I cover myself against liability?
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.
Do insurers cover above-ground swimming pools?
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.
Do insurers cover spas?
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:
- Permanently fixed saunas and spas = Home insurance
- Portable spas = Contents insurance
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.
What's not covered by pool insurance?
General home insurance exclusion applies to pools. Some exclusions include:
- Damage from wear and tear
- Damage and flooding caused by neglecting to care for the pool
- Any damage that might have happened while under the influence or any illegal activities
Picture: Getty Images
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