Is a Pool Leak Covered by Homeowners Insurance? Your Guide to Pool Protection in Las Cruces

A swimming pool is a fantastic addition to any home, especially here in Las Cruces, NM, where sunny days are the norm. But when you spot a pool leak, your first thought is often, “Will my homeowners insurance cover this?” This article dives deep into the details of pool leaks, homeowners insurance, and what you need to know as a pool owner. Whether you have an in-ground pool or an above-ground pool, understanding your insurance coverage is crucial. Read on to find out how to protect your investment and why working with local experts like Desert Otter Pools—Las Cruces’ leading pool leak detection and repair specialists—makes all the difference.

What Types of Pools Are Covered by Homeowners Insurance?

Homeowners insurance may cover your swimming pool, but the type of pool you have matters. Most standard homeowners insurance policies treat an in-ground pool as part of your home’s structure, while an above-ground pool is often considered personal property. The way your insurance provider classifies your pool can impact your coverage and home insurance premium.

In-ground pools are usually covered under “other structures” in your policy, while above-ground pools might have different insurance requirements. Always ask your insurance agent how your pool is classified to ensure you have the proper insurance coverage for your pool area.

Does Homeowners Insurance Cover Pool Leaks?

The big question: does homeowners insurance cover pool leaks? The answer depends on what caused the leak. If your pool is damaged by a covered peril—like a fallen tree or a fire—your homeowners insurance may help cover repairs. However, leaks caused by wear and tear, poor maintenance, or gradual deterioration are typically not covered by home insurance policies.

Insurance companies usually don’t cover pool leaks resulting from neglect. That’s why regular pool maintenance and prompt leak detection are essential for every pool owner. At Desert Otter Pools, we use Leaktronics’ industry-leading leak detection equipment to quickly find and repair leaks before they become bigger problems.

What Is a Covered Peril for Pool Damage?

A covered peril is an event listed in your homeowners insurance policy that may help cover the damage to your pool. Common covered perils include fire, lightning, vandalism, and certain types of storm damage. If your pool is damaged by a covered peril, your insurance may cover your swimming pool repairs.

However, if your pool isn’t covered by a specific peril—like earth movement or flooding—your homeowners insurance may not cover the pool damage. Always review your policy with your insurance agent to understand what perils are included.

How Does Pool Ownership Affect Home Insurance Premiums?

Owning a pool is a great way to enjoy your home, but it can increase your home insurance premium. Insurance companies see pools as an added risk, especially when it comes to liability. If someone is injured around your pool, your homeowners insurance may cover your liability, but you may need extra coverage.

Some pool owners choose an umbrella insurance policy for added protection. Talk to your home insurance provider about how owning a pool in your backyard affects your premium and what coverage on your homeowners insurance is recommended.

What Are the Insurance Requirements for Pools in Las Cruces?

Local laws for pool ownership in Las Cruces may require you to have certain safety features, like a fence around your pool or an automatic pool cover. Meeting these swimming pool insurance requirements can help keep your pool area safe and may even lower your home insurance premium.

Insurance companies may also have their own requirements for pool insurance coverage eligibility. Make sure to ask your insurance agent about any specific requirements for your policy that protects your pool.

Does Homeowners Insurance Cover Pool Collapse?

A pool collapse is a serious issue that can cause significant damage to your home and property. Whether your pool is covered by home insurance in this situation depends on the cause. If the collapse is caused by a covered peril, your homeowners insurance may cover the damage.

However, if the collapse is due to poor maintenance or a problem with the pool liner, your policy may not cover pool leaks or collapse. Regular inspections and professional leak detection—like the services provided by Desert Otter Pools—can help prevent these costly problems.

What About Pool Liners and Pool Covers?

A damaged pool liner or pool cover can lead to leaks and other issues. Standard homeowners policies may not cover damage to a pool liner unless it’s caused by a covered peril. The same goes for a pool cover—whether it’s an automatic pool cover or a manual one.

To keep your pool in top shape, inspect your pool liner and pool cover regularly. If you suspect a leak, get your pool checked by professionals who use advanced leak detection equipment.

How Do I File a Claim for Pool Damage?

If you discover pool damage or a leak, document everything with photos and detailed notes. Contact your insurance provider or insurance agent as soon as possible to start your claim. Be ready to explain how the damage occurred and provide evidence that it was caused by a covered peril.

Working with a local pool expert like Desert Otter Pools can help you get a detailed leak detection report, which can support your claim and help you get your pool repaired quickly.

What Isn’t Covered by Home Insurance?

Home insurance doesn’t cover everything. Most policies don’t cover pool leaks caused by neglect, lack of maintenance, or normal wear and tear. If your pool may have issues due to old age, your insurance may not cover the pool repairs.

It’s important to understand what your policy covers—and what it doesn’t—so you’re not caught off guard when you need help most.

How Can Desert Otter Pools Help Protect Your Pool?

At Desert Otter Pools, we specialize in pool leak detection and repair for both in-ground and above-ground pools in Las Cruces. We use Leaktronics’ industry-leading leak detection equipment to find leaks fast and fix them right. Our local expertise ensures your pool area stays safe and your investment is protected.

If you’re unsure about your insurance coverage or need help with a pool leak, reach out to us. We’re here to help you keep your pool in top shape and navigate the ins and outs of homeowners insurance.

Key Takeaways: What Every Pool Owner Should Remember

• Homeowners insurance may cover your swimming pool, but only for damage caused by a covered peril.
• In-ground pools and above-ground pools may be classified differently by insurance companies—ask your insurance agent for details.
• Pool leaks from wear and tear or poor maintenance are usually not covered by home insurance.
• Keep your pool area safe and meet local swimming pool insurance requirements to protect your investment.
• Regular inspections and professional leak detection—like those from Desert Otter Pools—can help prevent costly repairs.
• Always review your policy and talk to your home insurance provider about coverage for your pool.
• Document any pool damage and contact your insurance agent promptly if you need to file a claim.
• Desert Otter Pools uses Leaktronics’ advanced equipment for fast, accurate leak detection and repair in Las Cruces.

A well-maintained pool is a source of fun and relaxation. Make sure you have the right insurance coverage and local support to keep your swimming pool against damage—now and in the future. Contact our team today to learn more!