If you have a pool or spa, you must specifically add this coverage - it won't be in your base plan. Ask your company exactly what's covered before purchasing, since saltwater pools and specific equipment types vary by plan.
What Pool/Spa Coverage Typically Includes
What's Excluded
Pool shell and deck
Structural components - pool shell, deck, coping, tile. These can cost $5,000–$50,000+ to repair.
Liner
Pool liners are considered wear items or structural. Not covered.
Underwater lights
Underwater lights are frequently excluded.
Manual and above-ground pools
Coverage typically applies to in-ground pools with permanent equipment.
Decorative features
Fountains, waterfalls, water features - not covered.
Cleaning equipment
Automatic pool cleaners, robotic cleaners - not covered.
Chemical maintenance damage
Damage from improper chemical balance is excluded. Maintain proper pH and document it.
Cost of Pool Coverage Add-On
Add-On Monthly Cost
$15–$50/mo
Typical range for pool/spa add-on coverage.
What You're Protecting
$500–$4,000
Pump: $500–$1,000. Heater: $1,000–$4,000 to replace.
Companies with Pool/Spa Coverage
Tips for Pool Coverage Claims
Before purchasing: Ask specifically whether the add-on covers your pool type (in-ground/saltwater/etc.), what the per-claim cap is, and whether the heater is included. Pool coverage can have sub-caps that limit heater replacement payouts.