Does a home warranty cover pools?

Check pool coverage to avoid costly surprises later

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Whether you are a builder or a new homeowner, a home warranty could save your wallet from unexpected pool repairs down the line. Unexpected pool damage can cost hundreds to thousands of dollars to repair, but your home warranty plan may be able to help. Here’s what you need to know about protecting your pool.

Key insights

Most home warranty companies cover pools.

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Many home warranties have coverage caps for pool parts and repairs.

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Pool coverage may only be available in an extended package or plan.

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What pool services does a home warranty cover?

Most home warranty companies provide pool coverage in extended packages or higher-tier plans. Many companies also offer pool coverage through package add-ons.

Home warranties typically cover these pool parts:

  • Heating pumps
  • Pumping systems
  • Gaskets
  • Primary circulator pumps
  • Motors
  • Relays
  • Impellers
  • Back flush valves
  • Check valves
  • Filtration systems

Potential exclusions to pool home warranty coverage

Even if your home warranty covers pools, your claim may still be denied for various reasons. Most companies offer plans with many limitations and exclusions and only cover damage from normal wear and tear.

Here are some items that may not be covered:

  • Skimmers
  • Lights
  • Pool sweeps
  • Liners
  • Jets
  • Underground or inaccessible lines
  • Cleaning equipment
  • Solar equipment
  • Structural defects
  • Timers
  • Remote controls
  • Seals and hoses
  • Automatic feeders and chemicals
  • Ornamental fountains
  • Pool cover
  • Refrigerant reclamation
  • Turbo valves
  • Chlorinators and ionizers
  • Fuel storage tanks
  • Cosmetic damage

Coverage caps

Many home warranty plans limit the amount they will cover for costs and repairs. You are responsible for the difference if the repair costs exceed the limit. This is typically called a coverage cap. Most home warranty plans have coverage caps for pools anywhere from $500 to $1,200. Additionally, saltwater pools usually have a higher limit cap than freshwater pools.

What to do if your home warranty doesn’t cover pools

If you find out your home warranty plan doesn’t cover pools, there are some other options. Many home warranty companies often offer coverage for pools and spas as an add-on, which can add to the package price. Your homeowners or builders insurance may also cover damage to your pool in certain situations.

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    What does a home typically warranty cover?

    Home warranties usually cover large appliances, built-in microwaves, water heaters and systems like HVACs, plumbing, ductwork, pool heaters and well pumps. Some plans also cover additional items like pest control, septic systems, central vacuums, sump pumps and more.

    Does a swimming pool increase homeowners insurance?

    A swimming pool typically raises your homeowners insurance premium by around $50 to $75.

    Do pool warranties transfer?

    If you decide to sell your home, your pool warranty will, in many cases, transfer to the new homeowner with no additional charges or fees.

    Bottom line

    A home warranty can provide coverage for repairs, saving you hundreds to thousands of dollars a year on parts and repairs. However, not all home warranty providers include pool coverage, so it's important to check the specific terms of your contract. If you have a pool and want coverage, you may need to inquire about adding it to your home warranty plan, or see if your builders or homeowners insurance covers pools.

    Article sources
    ConsumerAffairs writers primarily rely on government data, industry experts and original research from other reputable publications to inform their work. Specific sources for this article include:
    1. Latham, “The Impact of Swimming Pools on Your Homeowner’s Insurance.” Accessed March 27, 2024.
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