If I Have a Pool House is It Included in my Coverage?

When you secure a homeowners insurance policy for your home, it's a good idea for you to learn as much as you can about what that coverage is going to pay for and if deductibles are required. One thing that you will need to consider is what other structures that are not adjoining your home can be covered under your policy. While many people are aware that things like garages or sheds are going to be covered under the policy, but there are some other structures that many people have no clue abut.

One structure that you may be wondering about is a pool house. If you are interested in building a pool house in your backyard, then you need to find out about whether or not your homeowners insurance policy will offer you some coverage for it. In the eyes of your insurance provider, your pool house is going to be considered a detached structure. Most homeowners insurance companies are willing to cover such things, and pool houses are among the ones that are commonly covered under a basic homeowners insurance policy.

One thing to keep in mind when considering whether or not your pool house will be considered a covered detached structure is that all homeowners insurance companies are going to be different. The policies offered to you are going to differ greatly from company to company. So while some companies are going to consider a pool house a detached structure that will be covered under a basic policy, there will be some that do not consider this as something that is to be covered under a basic policy. Before you select a provider to go with, make sure that you ask about this coverage.

Important Things to Consider

One thing that you need to consider is that even if your pool house is covered under your policy, there may be some limits to the coverage that you can get for it. In most cases, the coverage that you can get for the pool house is going to be limited to a percentage of your overall policy. In most cases, this is going to be limited to ten percent of your policy. With some companies, you may be able to get a larger percentage, but this is all going to depend on the provider.

If your provider is only going to allow you to use a small portion of your policy to pay for damages to your pool house, then you may be able to add some riders and get some additional coverage. This is ideal for those who use their pool houses as guest houses and store expensive items in them. If, for example, you have some expensive electronics in your pool house, then you may want to get some additional coverage for it. It might cost you a fair bit more on your premium each month, but it will definitely provide you with some coverage.

Building Your Pool House

Your pool house is likely to be covered under your homeowners insurance policy, but you will want to check to see about this before you actually start building it. As noted, some companies are going to be willing to include this coverage on a basic policy, but others will require you to pay more and add it as a rider. If you want to make sure that you get the pool house coverage that you need, then you will need to sit down with a homeowners insurance agent and talk about what your needs are.

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