Well I did contact my insurance and it would NOT have been automatically covered as a detached structure because AG pools are not considered permanent structures. We did add it for wind/hail yada yada coverage and guess where it is covered under? INLAND MARINE. Ha!!! lol. Only cost another $12.63 per year. We already have mucho liability coverage. We do have a locking ladder entrance on it and under the state law, AG pools have to be at least 48" AND have other entrance prevention (locking ladder/step entrance) OR have a fence around them, she said we are good to go on the locking ladder.

Now I feel better. Just in case......