Will home owners insurance pay for personal property damage to your above ground swimming pool?

Answer 1

Homeowners Insurance and Above ground Pools

If the damage was due to a covered cause under the policy then yes it will most likely be covered. The cause of the damage is usually the most important fact.

Answer

You should contact your insurer or your insurance agent. Most Home insurance policies provide coverage for additional structures on your property. It probably depends on what type of pool you have. The additional structures coverage is intended for permanent structures such as tool / storage sheds, detached garages, out buildings, pools etc, however if the pool is a portable one that can be set up and taken down frequently, it may be considered a temporary structure, in which case it would likely not be covered under your homeowners insurance policy.

Additionally, If you live in the U.S. there are many types of policies and levels of coverage available for purchase.

Did you purchase an HO1, an HO2, or an HO3 home insurance policy? Each policy form provides a different level and scope of coverage for your home. If you simply chose the least expensive policy, you may not have coverage for additional structures at all. Without having seen your policy, there is just no way to know what type of policy you purchased and how comprehensive your coverage may be in covering a pool.

The best source of information to answer your question would be your insurance company.

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Answer 2

No. This is maintenance. Insurance is not responsible for maintenance.