The New Pool and Your Homeowners Insurance in Texas

Getting a new pool is a dream come true for most folks. Being able to take a refreshing swim any time in your own backyard sounds like a great way to beat the summer heat in Texas. However, pool ownership also comes with lots of responsibilities. As a pool owner, you’re responsible for seeing that no one is injured when using your pool. You’re can be liable for injuries, medical costs and lawsuits. In addition, you also need to consider homeowners insurance in Texas. There are websites on the such as and


For the most part, homeowners that install an in-ground pool do have some insurance. However, it doesn’t necessarily mean you’re carrying enough homeowners insurance in Texas to cover all your risks. Each insurance carrier may choose to cover a pool in different ways.

Some insurers may include a swimming pool as part of the home. If this is the case, the pool could affect the replacement costs associated with the home, which could increase the premium of your homeowners insurance in Texas.

Many insurance companies define an in-ground pool on your homeowners insurance in Texas as an external structure because it is detached. Detached structures are usually covered up to a limit of 10 percent of the policy limit for replacing the home. So, if your new pool was damaged during a storm and cost more than 10 percent, you would have to cover a portion yourself to replace the pool or consider increasing your coverage on your homeowners insurance in Texas.

Liability Coverage on Homeowners Insurance in Texas

The biggest concern associated with pools are liability issues. No matter how careful you are, there is always the chance that someone could be injured by slipping on decking or taking a bad fall. There is also the possibility of children playing unsupervised and accidental drowning’s. Most homeowners don’t have the money that may be needed in the event of a lawsuit if there should be a serious injury.

Most standard homeowners insurance in Texas does provide some liability coverage, insurers typically recommend that you increase your liability limits from standard coverage of 100,000 to at least 300,000.

In addition, some insurance companies may take it a step further by recommending the purchase of an umbrella policy. This is a separate policy, which could provide 1 million in additional liability protection. Considering the fact that these limit increases and umbrella policies may only increase premiums by just 50-100 dollars, the peace of mind you get makes it worth a few extra dollars.

Texas Requirements

Frequently, insurance carriers may have their own pool safety requirements concerning your homeowners insurance in Texas. However, the state of Texas also has requirements that they enforce concerning gates and fencing.

• Fencing around pool areas must be a minimum of four feet or higher.

• Fencing cannot have gaps in it or below it larger than four inches in diameter.

• Chain link construction materials are no longer allowed on new fencing.

• Horizontal cross-pieces on wood fences must be on the inside of the fence closest to the pool to prevent climbing.

• The city of Houston has their own fence codes that must be observed. They also periodically inspect pool fences to make sure they are in satisfactory condition.

Safety Precautions

• Keep play areas separate from the pool area.

• Make sure pool fencing remains in good repair.

• Install self-latching gates to prevent access to young children.

• Use a pool cover when pool is not in use.

• Teach all children in the household how to swim.

• Explain pool safety rules to all members of the home.

If you already own a pool, now is good time to pull out your policy for your homeowners insurance in Texas and review your liability coverage. Before considering the installation of a new pool, discuss requirements with your agent and how they would affect your homeowners insurance in Texas.