Will my home insurance premiums increase if I get a pool?

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Asked August 2, 2010

1 Answer


Whether it is an in-ground pool or one that is constructed above ground, your home insurance rates will probably increase. Depending on the size of the above ground pool, the premium difference will probably be quite small, and child or wading pools of less than 36 inches in depth are not generally considered a pool for insurance purposes. Talk to your insurance agent about ways to reduce the costs of having the pool, such as increasing your deductibles or paying for the policy annually rather than making payments throughout the year.

Pools that are built in the ground pose a greater risk, regardless of their size or depth. You can offset this increase somewhat by installing a fence around the pool area with access that can be (and is!) locked when the pool is not in use. The important thing is that you must lock the gate when you are not using the pool. For instance, if you forgot to lock the gate and your neighbor's puppy accidentally drowns, your insurance company will deny the claim because of negligence on your part, and your rates will increase because you have proven to be a higher risk than expected.

Answered August 2, 2010 by Anonymous

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