Does homeowners insurance cover leaks

Just contact your insurance agent and ask if you have coverage for your pool structure.

If your pool is a covered structure then you shoud have coverage for accidental damages by the perils specified. Typical perils include fire, wind, hail, falling objects, etc. Some policies may also extend coverage for damage resulting from ground movement.

Bear in mind that normal wear and tear, expected maintenance and repair, is not a covered peril under your home insurance policy. So it may depend on what caused the pool leak.