Is a Pool Considered Other Structures?

Homeowners often wonder about the classification of a swimming pool on their property. Understanding whether a pool is considered an “other structure” is important, as this designation can significantly impact various aspects of homeownership, including insurance coverage, property tax assessments, and compliance with local building regulations. The way a pool is categorized depends on its type and permanence, and how different authorities view it.

Understanding “Other Structures”

“Other structures” generally refers to buildings or constructions on a property not physically attached to the main dwelling. Common examples include sheds, detached garages, gazebos, fences, and guest houses. These structures are typically covered under a specific section of a homeowner’s insurance policy, distinct from the main house.

Coverage limits for “other structures” are usually a percentage of the dwelling coverage, often around 10%. For property assessment, these structures are considered improvements that can add to the overall value. Permanence and attachment to the land are key factors in this classification.

Pools and Homeowner’s Insurance Classification

Homeowner’s insurance policies approach swimming pools with unique risks. In-ground pools are frequently classified under the “other structures” portion of a policy. This coverage protects the pool structure from perils like fire, wind, hail, or vandalism, up to the policy’s limit. Some insurers might include an in-ground pool under dwelling coverage if it is closely integrated with the main home, such as through an attached walkway or enclosure.

Above-ground pools are often treated differently, depending on their portability and installation. A portable above-ground pool that can be disassembled might be covered under the personal property section. Conversely, a permanently installed above-ground pool, especially one with a deck, may also fall under “other structures” coverage. Homeowners should confirm with their insurer how their specific pool is categorized.

Pools are considered “attractive nuisances” by insurance companies, meaning they can attract individuals who might then be injured. This increases the liability risk for homeowners. Standard homeowner’s policies include liability coverage, but pool owners are encouraged to increase their limits, sometimes to $300,000 or $500,000, or to purchase an umbrella policy. Insurance does not cover damage from wear and tear, lack of maintenance, or neglect, nor does it cover features like diving boards or slides without specific endorsements.

Pools and Property Tax Assessment

The addition of a swimming pool can influence a property’s assessed value, directly impacting property taxes. In-ground pools are typically considered permanent improvements that add value to a home. They are included in the calculation of a property’s market value for tax purposes, leading to an increase in the annual property tax bill. Estimates suggest an in-ground pool could raise a property’s value by 6% to 11%.

Above-ground pools do not affect property taxes in the same way. Since they are considered temporary or movable structures, they are not included in the property’s assessed value. Local tax jurisdictions have varying regulations, so homeowners should verify assessment practices in their area. The key distinction for tax purposes lies in whether the pool is a permanent fixture requiring significant land modification.

Pools and Building Regulations

Building a swimming pool, regardless of its classification as an “other structure,” is subject to building regulations. Permits are typically required for pool installation, particularly for in-ground pools and those exceeding a certain depth, such as 24 inches. These regulations ensure adherence to safety standards, structural integrity, and proper installation of electrical and plumbing systems.

Local building departments and zoning offices oversee the permitting process, which involves submitting detailed site plans and construction drawings. Regulatory requirements include mandates for safety barriers, such as a fence at least 48 inches high with self-closing and self-latching gates, to prevent unsupervised access. Anti-entrapment drain covers are also required, aligning with federal guidelines like the Virginia Graeme Baker Pool and Spa Safety Act. Compliance with these local ordinances is essential for legal installation and use, and can impact insurance coverage.