Does a Diving Board on My Pool Raise My Homeowner’s Insurance Premium?

FAQ: Understanding the Insurance Impact of a Diving Board

Adding a custom inground pool to your backyard is an exciting investment, but if you’re considering including a diving board, you may be wondering how it affects your homeowner’s insurance.

The short answer? Yes, a diving board can raise your homeowner’s insurance premium—and in some cases, your insurance company may refuse to cover your home at all if you install one.

Why Do Diving Boards Increase Insurance Costs?

Insurance companies view diving boards as a liability risk because they increase the likelihood of accidents and injuries. Even when used correctly, diving boards present potential dangers, such as:

  • Head, neck, or back injuries from improper diving
  • Slips and falls from wet surfaces
  • Unauthorized use, especially if children are involved

Because of these risks, many insurers either raise premiums significantly or exclude coverage for pools with diving boards altogether.

Will My Insurance Company Cover a Pool with a Diving Board?

Not all insurance companies have the same policies, so it’s important to check with your provider before making a decision. Here are some possibilities:

  • Higher Premiums: Some companies will insure your home with a diving board but at an increased cost.
  • Exclusions: Others may provide coverage but exclude diving board-related incidents from your policy.
  • Denial of Coverage: Some insurers refuse to cover homes with diving boards entirely, meaning you may need to shop for a different provider.

Should I Get a Diving Board for My Pool?

Because of these insurance concerns, many homeowners opt out of adding a diving board. Instead, they choose deep-end seating, swim-up bars, or custom water features that provide fun without the additional liability.

At Arista Pool & Spa, we specialize in building custom inground gunite pools and can help you design a luxury backyard retreat—with or without a diving board. We encourage our clients to check with their insurance provider before deciding on a diving board to avoid unexpected costs or coverage issues.

Need Expert Pool Advice? Contact Arista Pool & Spa!

If you’re planning a custom inground pool, Arista Pool & Spa is here to help. Contact us today to discuss your options and create a stunning, safe, and insurable backyard oasis!