News

There has been some confusion throughout the industry about how to classify swimming pools. This can make a significant difference in rates and coverage. Unfortunately, the answer is -  It depends. Each pool should be examined on a case-by-case basis. However, here are some common characteristics of a pool when it is considered an adjacent structure:

• Constructed on a slab or foundation
• Can be anchored to the ground
• Constructed of metal sidewalls
• Designed to be kept outside year-round
• Difficult to disassemble
• May be sold with the home and generally not taken by the seller
• May require fenced in yard due to building codes*
• Can require significant defacement of the land (i.e., leveling)
• Generally installed by a company that specializes in pools
• Connected to a deck
• Connected to the home by direct wire electrical connection
• Can be set (minimally) below ground
   

Some common characteristics of a pool that is considered personal property include:
 

• Disassembled for winter months
• Usually does not require professional installation
• Sidewalls are generally vinyl or rubber
• Can be easily disassembled
• Generally not included as part of the sale of a home (taken by the seller)
• May be inflatable
• May not be subject to building codes
• Usually sold by retailers not specializing in pools (i.e. Wal-Mart, Target)
• May have limited need for electricity (operate off of an extension cord) or no electricity at all
• May require limited land preparation
• Not anchored or attached to the ground
• Cannot be set below ground
   

NOTE: The above are only general guidelines. If you are not sure whether a pool is an adjacent structure or personal property, check with your underwriter.