Do you insure your AG Pool?

[NWMNMom]

We live out in the country and there are no building permits for this sort of thing out here. We don't even have to get one to build a house out here! Unbelievable but true. We do have to have a licensed electrician working for the electric company hook up electricity from the roadside pole to the pole in the yard intially for a new yard setup or the electric company will not turn on the juice but other than that, we are on our own. Scary thought that anyone can build anything out here, but pretty much true. The insurance company requires a licensed electrician to certify that our pole to house and circuit setup in the house wiring meets state standards and thats it.

I know that certain things are required to be "listed" on some insurance policies and I just looked at ours, there are a lot of things listed separately like tools, snowmobiles, etc., so I wonder if this needs to be too? I guess I should call them.....Big wind and a tree falls on it, we are soooo screwed. I'm betting it won't be covered unless we have them list it.

[CoffeeBean]

Thanks CarlD. Guess I should contact my insurance company about this one. After all the sweat and worry - not to mention expense - we've put into our pool, I'd hate to have it wiped out by a falling tree.

[ivyleager]

We live in NC, and were told by our insurance company that if we did not have a (minimum) 4 foot fence around the pool, that our pool would not be covered; and they have the option of dropping or terminating our coverage if their reg's were not followed. They did not care if it was an IG or AG pool. They didn't care if it was built with permits or by regulations. Their policy is that it is a LIABILITY on your property, and needs to be dealt with accordingly. They even didn't care if it had a diving board, believe it or not. However, if that changes, I'm on their list to be called. Anyway, our insuance went up a whoppping $24/year! However, our boat trailer raised our homeowners's premium $56/year.

We've been using the same insurance company for +10 years and have a pretty good relationship with the agent. When we have a question, whether it is on an automobile or one of our various homes, I always start the conversation with: "now hypothetically speaking", and always receive sound advice. You may want to speak candidly to your agent.

[scsteven]

Our pool is automatically covered in our policy also. However, we had a situation similar to Ivyleager in that we were told that we had to have a fence around our pool. We live in the country and our property is surrounded by fencing, some of it decorative. Our agent found a clause that said if the nearest neighbor is 1200 feet away, then the pool can be exempt from fencing on the pool itself. We have a deck on one side of the pool and it has a gate with a latch on it that can be locked if need be. Didn't count. He came out with a wheel and sure enough, our neighbor is more than 2000 feet away! We were able to keep our coverage with no problems! We pay approx. $850/yr. for a small farm policy.