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.