Texas · A pool is not its own policy
TDI says many homeowners policies give little or no liability coverage for a pool. Property coverage depends on whether the pool is part of the house, another structure, or personal property.
There is usually no separate “pool insurance” on a backyard pool. The homeowners form, or a landlord dwelling form if tenants live there, is what you are buying. The Texas Department of Insurance puts it in three buckets. If the policy treats the pool as part of the home, its value belongs inside the replacement cost. If it treats the pool as another structure, the form may cap what it pays. An above-ground pool is likely personal property, and that limit is tied to the home’s replacement value. On many HO-3 forms, other structures start around 10 percent of Coverage A. That is common, not universal, and it is not a sentence TDI printed as a statute. A fence does not delete an exclusion.
The longer version of the property question: are pools covered. Dwelling limit: Texas dwelling coverage and the coverage parts. Liability: personal liability, attractive nuisance, and guests on the property. The umbrella only follows a liability the home form actually covers: Texas umbrella. The product page: Texas homeowners.
