Installing an inground swimming pool is a big upgrade, and it naturally leads to questions about how it fits into your home insurance coverage. Most homeowners policies through Sound Choice Insurance Agency, Inc, serving Lynnwood, WA, do account for pools, but coverage is not automatic or identical from one situation to another. How the pool is built, how it’s used, and whether it’s disclosed all play a role.

How Inground Pools Are Typically Classified

An inground pool is usually treated as a permanent part of the property rather than a removable feature. Because it’s built into the ground, coverage often applies in the same way it would to other fixed structures on your lot. Damage caused by certain covered events may be included, while issues tied to aging materials, poor upkeep, or construction problems are usually excluded.

Why Liability Coverage Is a Key Factor

Pools introduce additional risk simply because people are more likely to slip, fall, or get injured around water. If a guest is hurt while using your pool, your homeowners policy may offer protection, provided the pool was properly disclosed and meets safety standards. Local laws can also affect how responsibility is handled, especially when it comes to children or uninvited guests.

Safety Features Often Matter More Than You Expect

Many insurers expect inground pools to meet specific safety requirements. Fencing, locking gates, pool covers, and alarms are common examples. These features aren’t just recommendations. If an incident occurs and required safeguards aren’t in place, coverage could be limited or denied.

Why Communication Makes a Difference

One of the most common mistakes homeowners make is assuming a new pool is automatically covered. Letting your insurer know before or soon after installation helps avoid surprises later. They may ask about the pool’s depth, access points, and safety measures.

Before your pool is finished, take time to review your policy through Sound Choice Insurance Agency, Inc, serving Lynnwood, WA, and ask clear questions. A short conversation now can help ensure your coverage aligns with your new inground pool, as well as other improvements and additions to your home.