Is a swimming pool an adjacent structure or personal property?

There has been some confusion throughout the industry about how to classify swimming pools. This can make a significant difference in rates and coverages.

Unfortunately, the answer is: It depends. Each pool should be examined on a case-by-case basis. However, here are some general guidelines:


Some common characteristics of a pool that is considered an adjacent structure include:

  • Constructed on a slab or foundation
  • Can be anchored to the ground
  • Constructed of metal sidewalls
  • Designed to be kept outside year-round
  • Difficult to disassemble
  • May be sold with the home and generally not taken by the seller
  • May require fenced in yard due to building codes*
  • Can require significant defacement of the land (i.e., leveling)
  • Generally installed by a company that specializes in pools
  • Connected to a deck
  • Connected to the home by direct wire electrical connection
  • Can be set (minimally) below ground

*Please refer to underwriting guidelines regarding fencing requirements. The absence of building codes for fencing of swimming pools does not change our requirements.

Some common characteristics of a pool that is considered personal property include:

  • Disassembled for winter months
  • Usually does not require professional installation
  • Sidewalls are generally vinyl or rubber
  • Can be easily disassembled
  • Generally not included as part of the sale of a home (taken by the seller)
  • May be inflatable
  • May not be subject to building codes
  • Usually sold by retailers not specializing in pools (i.e. Wal-Mart, Target)
  • May have limited need for electricity (operate off of an extension cord) or no electricity at all
  • May require limited land preparation
  • Not anchored or attached to the ground
  • Cannot be set below ground

NOTE: The above are only general guidelines. If you are not sure whether a pool is an adjacent structure or personal property, check with your underwriter.

Coverages, options or discounts may not be available on all policies or in all states.