Does my homeowners insurance cover my pool? The answer is Yes! Pools are covered on a homeowners insurance policy. This coverage is specified in the “Other Structures” or Part B of your homeowners insurance coverage. You need to make sure you carry an adequate limit of insurance. For example, if it cost you $30,000 to build a pool, you need to carry at least $30,000 as your limit of insurance for your “other structures”. Other Structures coverage will stack with the limit of insurance you have for your primary home, increasing your limit of insurance.