How do we go about insuring duplexes with private pools?

Q: Insurance for a 2 unit duplex with pools. We are in a side by side 2 unit duplex with no common areas, other than the 1 x adjoining wall down the middle of the property.

Both properties have their own personal pools. However, when we try to get insurance cover, we are told that private pools cannot be covered under strata insurance, or the price is astronomical as they class them as having a pool in a unit complex.

I was hoping for some advice as to how we go about insuring duplexes with private pools?


A: It may be more beneficial to include your private pools as part of your individual home insurance cover.

This ensures that both parties are only responsible for insuring and making a claim on what is personally theirs with the added benefit of not increasing the existing costs for strata insurance.