Most property insurance policies are fairly comprehensive. That is, they include coverage for a lot of different things. If you are moving to a home with a pool or you are installing one on your own, a little due-diligence on your part should get you on your way to a cool and relaxing summer - without taking a big hit to your wallet.

Owning a pool in all provinces other than Quebec
You should always notify your insurance company if you have a pool on your property. Pools mean an increased replacement cost for your home. They also increase the likelihood that you may need to use the liability portion of your property policy if someone is injured while using your pool. Some insurance companies may raise your rates to cover these added risks, but some may not. Property insurance is very different from company to company. Shopping around may get you a better rate on your policy, but the most important thing is to make sure you notify the company you choose, so that you know you have adequate coverage.

Owning a pool in Quebec
Property insurance policies in Quebec often specifically exclude pools. If you require added coverage because you have moved to a home with a pool or are adding a pool to your current residence, you may need to purchase a specific "pool option" as an add-on to your regular home policy. Again, each company in Quebec has different rules for pools - and different prices. Shop around to make sure you get the best rate, but most importantly, make sure you have enough coverage.

Physical damage to your pool
What about freezing damage to your pool's foundation? What about a ripped liner? Can you make a claim for these items if you have pool coverage?

Not really. These events are considered regular wear-and-tear on your pool and are not covered by your insurance policy. If the damage were caused by one of the perils regularly covered by your property policy, your insurance company may consider the claim (e.g. fire, windstorm, falling objects etc.)

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