Do Home Warranties Cover Pools?
A day at the pool might be the most refreshing thing to do on a hot summer day. If you have a swimming pool on your home’s property, you may wonder if your home warranty covers pool damage. Home warranties are service contracts that protect homeowners from the financial burden of unexpected repairs or replacements, and a swimming pool requires maintenance and, sometimes, repair. So, understanding if your home warranty covers your pool is essential to prevent unexpected costs and ensure the longevity of your investment.
Understanding home warranties
Home warranties typically cover major systems like electrical, plumbing, heating, cooling, and significant appliances. However, coverage can vary significantly from one provider to the next, and from one plan to another. Some plans might cover certain items as standard, while others may only cover those items as optional add-ons. Thoroughly read and understand the fine print of your contract to know exactly what is and isn’t covered.
Inground pools and home warranties
Inground pools are an attractive feature in many homes, a private oasis for relaxation, exercise, and entertainment. However, as permanent structures in the ground, they also have unique needs that may lead to expensive repairs.
The maintenance and repair of an inground pool can vary significantly depending on the type of material used in its construction. Concrete pools, for example, may need occasional resurfacing or acid washing to maintain their appearance and structural integrity. Vinyl pools, on the other hand, feature liners that may need to be replaced every 5 to 9 years or repaired if they get punctured. Fiberglass pools are generally the most low-maintenance, but they can still develop issues with their gel coating or structural cracks that need professional repair. Common issues across all types include fixing leaks, addressing problems with the filtration or heating systems, and repairing damage to the pool deck or surrounding area.
Most home warranty companies recognize the complexity and potential cost of maintaining and repairing inground pools, which is why many offer pool coverage. However, it’s important to note that this coverage is usually not part of the standard home warranty plan. Instead, it’s typically available as an optional add-on or “rider” to the main plan, which homeowners can purchase for an additional fee. This extra cost is often well worth considering the potential out-of-pocket expense of major pool repairs.
Above-ground pools and home warranties
Above-ground pools are a popular choice for many homeowners seeking the benefits of a private pool without the substantial cost and permanent commitment of an inground pool. These standalone structures can be a fantastic addition to any backyard. However, just like inground pools, they also have their own unique maintenance requirements and potential problems that can arise, necessitating repairs.
As with inground pools, most home warranty companies offer coverage for above-ground pools as an optional add-on to their basic plans. This add-on typically comes at an additional fee, reflecting the extra risk and potential cost associated with pool-related claims.
However, if homeowners choose not to add pool coverage to their home warranty, they would be responsible for the full cost of any pool-related repairs. This can quickly become expensive, particularly for more significant issues or if multiple problems occur within a short period.
Pool equipment coverage under home warranty
Pool equipment refers to the components necessary for the pool’s operation and maintenance, including pumps, filters, heaters, and sometimes even pool cleaning equipment.
Like the pools, pool equipment coverage is generally available as an add-on to a home warranty plan. If the pump of a covered pool fails, for instance, the warranty should cover the cost of repair or replacement. But without the pool equipment add-on, the homeowner would have to bear the cost.
Pool liners and leaks: Are they covered?
Pool liners act as a barrier between the pool structure and water and enhance the pool's appearance. Common pool leaks can occur in the liner, at the skimmer, or in the pool plumbing.
As with the pool structure and equipment, coverage for pool liners and leaks is typically available as an optional add-on to a home warranty plan. Should a covered homeowner discover a tear in their pool liner, their warranty should cover the repair or replacement cost.
Tips for ensuring your home warranty covers a pool
To ensure that your pool is covered under your home warranty, you should:
Opt for pool coverage if it’s offered as an add-on to your plan
Understand exactly what aspects of the pool are covered (structure, equipment, liner, leaks, etc.)
Keep records of regular pool maintenance, as lack of maintenance can sometimes lead to claim denial
One of the most important aspects of buying a home warranty is understanding what is and isn’t covered. This means reading and fully understanding the fine print of your contract. If you’re unsure about anything, ask the provider for clarification.
Home warranties can cover pools, including inground and above-ground varieties, as well as their equipment, liners, and heaters. However, this coverage is typically offered as an optional add-on at an additional cost. Therefore, homeowners need to understand their warranty plan, read the fine print, and ensure they have the coverage that best suits their needs. It’s a small price to pay for the continued enjoyment of your swimming pool.
