AG Pool and homeowners insurance

[aylad]

I have State Farm also, and when we put the pool in (it's an IG), they told us that it had to have a fence around it and a rope that separated the shallow from the deep end. We have both, and there's been no problem.

Janet

[kjmelak]

I called Travelers back today & asked them if a fence around the rim of the pool would be acceptable. The agent asked the underwriter and he said that was fence was not necessary as long as the sidewalls were at least 48" high and I had a locking gate on the ladder entry. I asked them to put this in writing to me but they said they could not do that! They told me to submit a picture of the ladder and that would be sufficient. Talk about confusing!

[cleancloths]

I would send them a certified return receipt letter restating the above and that it is your understanding that your specifics (include the details) meet their requirements. Keep a copy of the letter and the receipt. That should cover you in case there is ever a problem.

[karrde97]

I have American Family. When we lived at the old house, we had a fence around the yard. For Am Fam, the fence was more for 'tresspassers warning'. If someone jumped the fence and caused damage, we could say the fence told them to stay out. Works for Am Fam. When we moved, we acquired a lot of land and didn't want to put up a fence so I just put a vinyl pool fence up.

For me, it's safety. My wife said I was anal. But there is no way my child is going get in that pool without someone around. There was a family here that had one of those Intek ring pools and one of their kids pulled a battery powered car next to it and climbed in. They didn't find him for several hours. That was around the time we were putting ours up and I swore I would make sure my daughter couldn't do that.

The good news is that my daughter has inherited ADD from me and could care less about the pool unless we focus on it.

[kjmelak]

Just to update everyone. My insurance company called me a few weeks ago and told me that they are no longer requiring me to put a fence around my pool. They said that the ladder with locking gate is sufficient. Whew!