Having a pool in the backyard is a great way to cool down on hot summer days, but it can also be a source of risk if not properly maintained. For that reason, many homeowners opt to install pool cages or screen enclosures around their pools. These safety features provide extra protection, preventing children and animals from entering the pool area without supervision. But when it comes to insurance coverage, are pool cages covered?
Does Insurance cover Pool Cages?
No, typical Insurance does not cover unattached pool cages in the home. However, if your Pool Cage is attached or anchored to your home, standard homeowners insurance can cover the Pool cage.
For example, if a tree limb falls onto your fence and causes damage, your policy may provide reimbursement for repairs. Similarly, suppose you have an expensive item in your supply yard (such as a trampoline), and there is damage from an accident involving the pool cage or enclosure. In that case, you may be able to file a claim. In that case, your insurer will receive compensation for the damages.
However, most insurance companies do not offer coverage for wear-and-tear or coverage of pool cages or enclosures due to weather exposure over time. If your fence deteriorates due to sun or rain exposure over the years, you will likely need to pay out of pocket for repairs or replacement costs. Additionally, some insurers may limit coverage if you live in an area prone to severe weather conditions such as high winds or hurricanes. In these cases, they may require you to purchase additional windstorm insurance before they pay out claims related to damage caused by storms battering against your fencing system.
When purchasing a new pool cage or enclosure system for your backyard, ensure it is rated for use in your particular area’s weather conditions and check with your insurer about what type of coverage it offers for this kind of structure. All homeowners should read their policies carefully to know exactly what types of incidents are covered by their respective insurance plans and those not fully protected. Taking steps like this can help give you peace of mind, knowing that your family’s safety is protected and any accidents resulting from unexpected events won’t leave them dealing with costly repair bills down the road.
Pool Cages Insurance Coverage Examples
Insurance coverage can be complicated, and what is covered can vary significantly from one policy to another and from one insurer to another. As you’ve pointed out, pool cages, essentially screened enclosures built around pools, are often not explicitly covered by typical homeowners insurance policies.
However, certain circumstances may trigger coverage for damages to pool cages. Let’s explore a few practical examples:
- Named Perils Coverage: Some insurance policies offer “named perils” coverage. This means they will cover loss or damage caused by specific events or risks named in the policy. For instance, if your policy includes “windstorm” as a named peril, and a windstorm damages or destroys your pool cage, you would likely be covered.Example: Suppose a hurricane passes through your area, causing a tree to fall on your pool cage and severely damaging it. If your policy includes windstorms or falling objects as covered perils, you can likely claim the cost of repairs or replacement.
- Dwelling Coverage: In some cases, if your pool cage is attached to your house, it could be considered part of the “dwelling” and, therefore, covered by the dwelling coverage portion of your homeowner’s insurance policy.Example: If a fire starts in your home and spreads to the attached pool cage, causing damage, your dwelling coverage may pay to repair or replace the cage as part of the overall damage to your home.
- Other Structures Coverage: If your pool cage is not attached to your house but is considered a permanent property structure, it could be covered under the “Other Structures” section of your homeowner’s insurance policy.Example: If you have a standalone pool with a separate pool cage, and it’s damaged by a lightning strike (which is typically a named peril in many policies), the Other Structures coverage might provide compensation for the damages.
Remember that every insurance policy is different, and these are just examples. In reality, there are limitations and exclusions to what an insurance policy will cover, and you would need to review your specific policy or speak with your insurance agent to understand exactly what coverage you have for a pool cage or any other structure. You may need additional coverage (an endorsement or rider) to cover your pool cage.
From 2022.,Jason writes educational insurance articles for Promtinsurance.com.
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