Does home insurance cover my swimming pool?

If your swimming pool suffers damage due to an incident that is covered, such as fires, storm or acts of vandalism, usually the home insurance will cover the costs of the repair.

Many people wonder if their home insurance covers the swimming pool. The answer depends on the type of policy you have and how the swimming pool is covered by the insurance. However, this will depend on whether the swimming pool is considered part of the buildings cover.  
 

Built-in pools, permanently built on your property, are usually included in the buildings cover. On the other hand, removable or inflatable pools are not considered an integral part of the home and are therefore not covered by default.

Additionally, in the event that someone is injured in your pool, civil liability cover in your home insurance could cover medical expenses and possible legal claims. This is especially relevant if the pool is accessible to third parties. We recommend that you consult with your insurer for the specific details of this cover.

If you have a swimming pool at home, it is important to check your policy's terms and conditions to confirm whether it is included in the basic cover or if you need to add it as additional cover. Also, it is important to understand which risks are covered and which are not, to avoid surprises in the event of an accident.

If you haven't taken out home insurance yet, we invite you to discover our DKV home insurance. From just €10.70/month, you can protect your swimming pool and its fixed equipment such as systems for treating, moving and pumping the water, as well as for sports/recreational facilities, ponds and fountains that are built-in and private.