Swimming pool insurance requirements

10 minute read Published on Jul 13, 2023 by BrokerLink Communications

Life preserver floating in a clear pool water

As the days get longer and the temperatures become warmer, there is nothing more enjoyable than going for a swim in your own backyard. Whether you need to entertain the kids or have a moment of peace with yourself, having a pool comes with many perks. That said, having a pool on your property also comes with its own set of risks, which is why it's essential that you understand what type of swimming pool insurance requirements you need to ensure you're protected in the event of an accident.

Fortunately, with the help of BrokerLink, navigating the world of homeowners insurance is easier than ever. We offer a range of policies that we can customize to your unique needs and swimming pool.

To learn more about swimming pool insurance requirements, keep reading.

What types of pools are covered?

The kind of pool you have, whether situated above or below ground, can have a significant influence on the insurance coverage you require. Here is a closer look at what pools need insurance:

Above ground

Above ground, pools are usually considered personal belongings instead of permanent structures. This is due to the fact that you have the option of draining and moving it, removing it entirely, or selling it. However, if it is damaged, the monetary safety net you obtain will not be identical to that provided by a permanent structure policy.


In-ground pools are typically classified as other structures, meaning they will require additional insurance to protect against damage and liability. The cost of this coverage is mainly dictated by how much it costs to replace your pool. Incidents or unanticipated occurrences can result in costly repairs or replacements, so make sure you're carrying the proper insurance protection for your pool.

You can gain a more thorough grasp of the coverage you require and the costs related to it by speaking with an insurance broker at BrokerLink.


Swimming pool insurance coverage

Pool insurance policies are not all created equal, and coverage and exclusions can vary significantly between policies and insurance companies. It's also important to note that pool insurance is something you add to your existing home insurance rather than a product that exists on its own. Your swimming pool coverage may look like the following:

Third-party liability insurance

Third-party or personal liability coverage provides financial protection if someone suffers an injury or your property is damaged as a consequence of your pool. Third-party liability insurance is intended to cover the costs related to incidents or harm that take place in or around your pool. For example, if a guest slips and falls on the deck around the pool or a child enters the property and drowns, you could potentially be held both legally and financially liable for their injuries or death. Third-party liability insurance can help cover the associated expenses of these types of accidents, such as medical expenses, attorney's fees, and property damage.

It is essential to note that the level of third-party liability coverage you require may vary depending on a variety of variables, like the dimensions and depth of your pool, the regularity with which it is used, and the number of individuals that have access to it.

Dwelling or personal property coverage

Personal property coverage is a type of homeowners insurance coverage that helps protect your personal possessions in the event they get damaged or ruined by an insured occurrence, such as fire, theft, or a natural disaster. If you have an above-ground pool, it is likely that you will need to have your insurance provider include it within your personal property policy.

Dwelling or secondary structure coverage is a form of homeowners insurance coverage that protects your home along with other structures on your property from damage. While dwelling coverage usually encompasses your home's main structure, such as the home itself, secondary structure coverage applies to other constructions on your land, like a detached garage or, in this case, a pool.

It's important to note that some types of harm, such as flooding or earthquakes, might not be covered by your ordinary policy and will necessitate additional coverage.

Am I required to put a fence around my pool?

Whether you are mandated by law to install a pool around your fence will vary depending on what province or territory you live in in Canada and your local municipal regulations. For example, regardless of whether you have an above or in-ground pool in Ontario, homeowners are required to have a fence installed. However, a minimum barrier or fence of 41 inches, or 61 centimetres, may be mandatory for security factors around in-ground pools, especially. This is done to prevent unintentional drownings, especially among small children, family pets, and other wildlife.

Again, pool fence regulations vary by location, including height specifications, gate requirements, and material constraints. It is critical to check with your local government to determine the rules in your region or ask a broker for assistance. Failure to follow pool fence regulations may result in monetary penalties, legal liability, and, most importantly, injury to your family and friends. So, to guarantee the safety of everyone around your pool, make sure to go above and beyond to prevent accidents from happening.

Can I get pool insurance if I rent my home as an Airbnb?

If you rent out your residence as an Airbnb in Canada, you can get pool insurance. It should be noted, however, that your current home insurance policy might not cover the occupancy of your pool by tenants or paying visitors. As a result, you might be required to buy extra insurance coverage to protect yourself from possible liability or damage lawsuits arising from the pool. It is suggested that you consult with an insurance broker to determine the best course of action and coverage possibilities for your specific needs.

Choose BrokerLink

Navigating the insurance world can be difficult, especially when you're already juggling the responsibilities of homeownership. That's where BrokerLink comes in; we're dedicated to making the insurance selection process as simple and painless as possible. We work with an extensive range of insurance providers to compare policies while offering you comprehensive protection that is affordable.

Our philosophy is based on offering dependable and efficient insurance options that are tailored to your specific requirements. We strive to provide you with the peace of mind you require to focus on what is most important in life. We have you covered whether you need auto, home, or any other type of protection plan. We are dedicated to assisting you in navigating the complicated world of pool insurance and providing you with the assistance you require throughout the entire process.

If you're feeling overwhelmed by the insurance selection process, don't hesitate to reach out to us. We're here to help you find the coverage you need to protect your assets and safeguard your peace of mind.


Swimming Pool Insurance Requirements FAQs

Do I have to inform my insurance company that I put in a pool?

Yes, it’s always a good idea to keep your insurance provider informed when you make changes to your home. This includes any freshly built structures you put up on your property, especially if you're adding a pool. While your property insurance policy may cover certain events, insuring a swimming pool is a bit more complicated to cover. That is why it is critical to have an expert broker who will help you through the procedure and ensure you have adequate coverage.

So, if you're thinking about building a pool or already have one, talk to your insurance broker about the particular regulations and coverage that are applicable. This way, you can relax knowing that you're safe from unforeseen events and are able to fully appreciate your backyard oasis.

How much extra is house insurance for a pool?

When you have a pool, it can affect your home insurance costs, and the increase depends on a number of factors, including the kind and whereabouts of the pool, as well as the level of coverage you require. This additional cost can typically range from 10% to 30%, depending on the insurance company you have and the specifics of your pool.

It's critical to speak with an insurance provider directly to determine the exact amount of extra cost. They can evaluate your specific situation and provide you with a quote that corresponds to your particular requirements. It's always best, to be honest with your insurance company and keep them up to date on any changes to your residence, including the addition of a pool.

Does a pool slide or diving board affect a home insurance premium?

Yes, incorporating a pool slide or diving board into the pool area may raise your Canadian home insurance premium. This is because these elements can increase the likelihood of accidents and injuries, and insurance firms take these factors into account when calculating your premium. Pool accessories are subject to varying policies from insurance companies, and premium increases may differ depending on a variety of elements, such as the kind of slide or diving board, the precise location of the pool, and the level of protection you need.

Any modifications or additions to the swimming pool should be discussed with the insurance company to ensure that your coverage remains sufficient and that your policy is updated accordingly. Failure to do so may result in your insurance company refusing to cover any accidents or injuries caused by your pool slide or diving board.

Will your homeowner’s insurance cover pool-related injuries?

In Canada, homeowner's insurance plans may cover pool-related injuries, but this differs based on your policy and the conditions surrounding the injury. For example, if a guest gets hurt on a slick pool deck, the homeowner's coverage may cover their medical bills as well as any possible legal fees if they choose to file suit against you. It is important to note, however, that specific insurance policies might refuse coverage for harm sustained in or near a swimming pool.

It's an excellent idea to talk to your insurance company about the details of your policy and any possible gaps in coverage to make sure that you have adequate protection. Think about getting additional liability insurance, such as umbrella insurance, to give you extra protection in the event of a pool-related incident that causes harm.

Do I need swimming pool contractor insurance?

Owning a pool can be a significant expenditure, so it's critical to protect it from contractor damage. While you, as the owner and policyholder, are usually not liable for construction company-caused harm, it is still wise to take preventative measures. To ensure that your pool is covered, ask for an official copy of pool service insurance from each contractor who works on your pool. This way, you can rest assured that their liability coverage will cover any losses that could take place. Most credible pool service companies are covered by their own swimming pool contractor’s insurance plans, so don't be afraid to ask for proof prior to them starting work on your water feature.

Will your homeowner’s insurance cover damage to your pool?

In some cases, your homeowner's insurance may cover pool damage. The policy you have may provide coverage if the damage was brought about by an incident covered by the policy, such as a tree that fell or a hailstorm. If the damage is the result of regular use, neglect, or poor maintenance, your insurance policy might not pay for the cost of replacing or repairing it. Furthermore, if the harm done is caused by an omitted peril, such as floods or earthquakes, your homeowner's insurance policy will not cover you.

Additionally, certain conditions may be imposed by your insurer before your policy takes effect. For example, a fence with a latching gate around the swimming pool area may be required, as well as pool illumination to reduce falls and slips at night, non-slip surface adhesive on your diving board, or a lock on the ladder for an elevated pool. The conditions differ between insurers, so it's critical to review your policy and speak with your insurance provider to ensure that you're following their guidelines.

Is pool insurance expensive to add?

Pool insurance costs vary depending on a number of variables, including the type of pool you have, where it's situated, and the level of coverage you require. In general, having a pool may raise your home insurance rates because it is regarded as a desirable inconvenience and poses a greater risk to your property. However, insurance costs can vary significantly depending on the insurance company you choose, so it's always an excellent idea to shop around and compare quotes from various businesses to find the best policy that meets your requirements as well as your financial situation.

Does homeowner’s insurance cover pool leaks?

Home insurance policies usually cover damages caused by unexpected and unforeseeable events, such as severe weather or a fallen tree. If one of these events causes damage to your pool, your homeowner's insurance may cover the expenses of fixes or replacements. It is necessary to note, however, that deterioration or gradual destruction of your pool as time passes is usually not covered by insurance. It is best to go over your insurance contract and speak with your insurance broker to ensure that you understand what is covered under your policy and make any changes if needed moving forward.

Does homeowner's insurance cover an above-ground pool collapse?

When it comes to a swimming pool collapse and insurance coverage, the situation is complicated. The type of protection you have and the root cause of the accident both have an impact on whether or not it will be dealt with. In general, if the collapse is caused by an insured danger and is not expressly omitted, it may be covered. However, if it is the result of something else, such as poor maintenance or disregard, it might not be covered. It's always a good idea to consult with your insurance broker to gain more insight into the terms of your contract and coverage options.

Does homeowner’s insurance cover the liner to your pool?

The fees associated with repairing or replacing the pool liner can quickly add up when it comes to pool maintenance. While insurance does not typically cover routine maintenance, certain conditions may warrant a claim. For example, if an intense storm damages your pool liner, such as a branch from a tree falling and ripping the liner, you may be able to file a claim. It is critical to review your insurance policy to make sure that specific situations are not left out. However, it's crucial to remember that successful claims for coverage are usually based on implementing reasonable precautions to avoid damage. This also is applicable to pool liner complaints.

If you have any questions, contact one of our local branches.