Does homeowners insurance cover pool cages?
Not always: Citizens Property Insurance says its homeowners policies do not cover any structure constructed to be open to the weather, which includes pool cages.
That is the state-backed insurer's own published answer, and its coverage worksheet spells the list out: carports, porches, aluminum-framed screened enclosures, screen pool cages and similar structures with a roof or covering of aluminum, fiberglass, plastic, vinyl, fabric or screening, constructed to be open to the weather, are not covered. Its shorter FAQ on screened enclosures says simply to contact your agent to confirm whether your policy covers them — which is the honest instruction for any carrier.
Source: Citizens Property Insurance
This page is general information, not professional advice. Prices move with the size and height of the structure, the screen chosen, your city's permit rules and the season, and the only number that counts is a written quote from a licensed contractor who has measured your yard.
The endorsement Florida's consumer guide describes
The Florida Department of Financial Services publishes a guide to homeowners endorsements, and screened enclosures have their own entry. Its description: the Screened Enclosure and Carport Coverage endorsement covers screened enclosures and aluminum-framed carports damaged by a hurricane; some companies limit or exclude that coverage and typically offer the option to buy limits of $10,000, $25,000, $50,000 or higher; and some include awnings and pool cages under the same endorsement when the base policy does not already cover them.
| Source | What it says about pool cages |
|---|---|
| Citizens Property Insurance (published FAQ and HW-2 worksheet) | Structures built open to the weather — screen pool cages named — are not covered |
| Florida Department of Financial Services (endorsement guide) | A screened-enclosure hurricane endorsement exists; limits typically $10,000 / $25,000 / $50,000 or higher; some carriers fold pool cages into it |
Sources: Citizens Property Insurance, Florida Department of Financial Services
Are pool cages covered by insurance in Florida? The three questions to ask
- Does my policy exclude structures open to the weather? Citizens does by its own FAQ; private carriers write their own forms, and the Florida guide says some limit or exclude the same way.
- Is there a screened enclosure endorsement on my declarations page, and what is its limit? The Florida guide's typical tiers are $10,000, $25,000 and $50,000 — and a 20-by-40 cage runs $4,000 to $12,000 new on HomeGuide's band, so the tier should match the cage.
- Does the endorsement cover hurricane only, or other wind and falling-tree damage too? The Florida guide describes it as hurricane coverage; anything broader is in your policy's own wording.
The dollar comparison is the point of the third question. HomeGuide prices a new pool screen enclosure at $4,000 to $14,000 and a full rescreen at $1,200 to $3,500, so a $10,000 endorsement covers a rescreen comfortably and a new cage only sometimes. A two-story cage, which HomeGuide says costs about 30% more, is where the $25,000 tier starts to be the honest one.
The cage is usually the first thing a storm takes and the first thing a standard policy leaves out. Read the endorsement before the season, not after the claim.
For what the cage costs to replace, by size: pool screen enclosure cost.
When it is time to rebuild, these are the screen enclosure companies AI assistants actually name when homeowners ask. Nobody can pay to be on these lists.
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Questions people ask next
- Is a pool cage covered under Coverage B, other structures?
- Citizens' published worksheet puts screen pool cages in its not-covered note under Coverages A and B, and describes Coverage B as covering detached permanent structures such as sheds, detached garages and pool houses. A cage attached to the house is neither, on its wording. Your own policy's definitions decide it.
- Does the pool itself have the same problem?
- No. Citizens' worksheet says an in-ground pool adjoining the dwelling is covered under Coverage A, one separated by clear space under Coverage B, and an above-ground pool as personal property. The pool is covered; the cage over it is the structure the exclusion names.
- Does the screened enclosure endorsement cover wind that is not a hurricane?
- The Florida Department of Financial Services describes the endorsement as covering screened enclosures damaged as a result of a hurricane. Whether a named storm below hurricane strength, a tornado or a falling tree is covered is in your policy's own wording and your agent's answer, not in the state's description.
- Will a claim on a pool cage raise my premium?
- Neither the Florida guide nor the Citizens FAQ read for this page addresses premium effects, and this page does not guess. The hurricane deductible does apply to hurricane claims — Citizens Property Insurance lists deductible options of $500 or 2% to 10% of Coverage A — which on a modest cage can be most of the claim.
Written for homeowners by Most Recommended Screen Enclosures, which measures which screen enclosure companies AI assistants actually recommend in 12 U.S. metros. Nobody can pay to be on those lists. How we measure.