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.

Most homeowners focus on insuring their main house and forget about everything else on their property. That detached garage, storage shed, or workshop might represent thousands of dollars in value, but many people don’t realize how their insurance handles these structures. At Sound Choice Insurance Agency Inc in Lynnwood, WA, we regularly help homeowners understand what’s actually covered.

Standard Coverage for Detached Structures

The good news is that most homeowners’ insurance policies automatically include coverage for detached structures. This typically covers garages, sheds, fences, gazebos, and even dog houses. The standard coverage amount is usually 10% of your home’s coverage limit. For example, if your house is insured for $300,000, you’d have $30,000 in detached structure coverage.

However, this coverage comes with important limitations. The structure must be primarily used for residential purposes, not business. If you’re running a woodworking business out of your detached garage, that could complicate coverage. Additionally, structures used to house business property might not be covered under your standard policy.

When Additional Coverage Is Necessary

Sometimes, the standard 10% coverage isn’t enough. If you have an expensive detached garage with custom features or multiple outbuildings, you may need to increase your coverage limits. High-end pool houses, workshops with costly equipment, or large barns can easily exceed standard limits.

It’s also important to note that the contents inside detached structures are treated differently. Tools in the garage or lawn equipment in the shed fall under your personal property coverage, which has its own limits.

Evaluate Your Coverage Needs

Take a walk around your property and calculate the cost to rebuild your detached structures. Don’t forget to account for foundations, electrical work, and custom features.

Sound Choice Insurance Agency Inc. in Lynnwood, WA, can help you assess whether your current coverage matches your replacement costs. Contact us today to ensure your property is fully protected.