Does home insurance cover my swimming pool?

Many insured persons ask themselves if their home insurance covers the swimming pool. This depends on the specific policy you have taken out. If your swimming pool suffers damage due to an incident that is covered by the home insurance policy (such as fires, storm or acts of vandalism), usually it will cover the costs of the repair. However, this will depend on whether the swimming pool is considered part of the home's buildings in your policy.

If it is a swimming pool built on your property, it will usually be covered. Moreover, if the swimming pool is removable or inflatable, it is not considered an integral part of the home.

Furthermore, if anyone gets injured in your swimming pool, the civil liability part of your insurance policy could cover the medical expenses and legal proceedings that may arise from that incident. This is particularly important if you have a swimming pool that is accessible to other people. You must find this out by contacting your insurer. 

If you have a swimming pool at home, it is important to carefully review the conditions of your home insurance to find out if it is included in the basic coverage or if you need to add it. Also, make sure you understand which situations are covered and which are not, to avoid surprises in the event of an accident. If you still do not have home insurance, we recommend that you take a look at our DKV home insurance, From €10.70/month, it offers you coverage for your swimming pool and its fixed facilities for swimming pools and their fixed equipment for treating, moving and pumping the water as well as sport facilities - recreational and/or fishing ponds and fountains, that are made of masonry and the use of which is private.