Quote Originally Posted by CarlD View Post
When you put in the pool did you get a building permit? Did you get a rider for your pool on your insurance?

If the answer is "no" to either of those that's why State Farm said it was an exclusion. If you had a building permit but no rider, S/F will probably still extend LIABILITY for damage caused by your pool, but that' s different.

That's why I tell people here to ALWAYS build according to code or their liability insurance is non-existent.

I'm going to call S/F to make sure my coverage is complete--but I did get the permits.
My husband is on our local zoning board so, the answer is, yes, we did get a permit, and yes, everything was built to code. I even had to have a master electrician come out inspect the electrical connections.

This is what State Farm told me...above ground pools used to be covered by regular homeowners insurance under the accessory structures part. There was no addendum necessary. Now, they don't cover above ground pools at all, and they don't offer any a rider or additional insurance for them that you can add to your regular policy. In fact, when I asked them how to insure an above ground pool, they told me I should call a pool dealer and see if they offer anything.

They no longer cover ice, wind, rain, storm damage to above ground pools, awnings, etc. because they aren't considered permanent structures.

Liability (if someone gets hurt in the pool) is covered.

Let me know what your agent tells you. I'm curious if mine is giving me the run around or even if State Farm insurance differs from state to state.