Excluded Hazard

• Some insurance companies will not underwrite a homeowner's policy if the home has a pool. This is due to the danger and medical costs associated with neighboring children sneaking into pools and drowning.
  
  

Included Hazard

• Other insurance companies may approve a swimming pool provided an adequate fence and lockable gate surrounds the pool area. An umbrella personal liability policy for a minimum $1 million coverage may be required to cover the costs associated with a claim for an accidental injury or death.
  
  

Property Coverage

• Pools are considered separate structures, like a tool shed, and generally are afforded the same coverage as an outbuilding. Freezing and thawing damage typically is not covered, but lightning, hail and vandalism may be.