Do you insure your AG Pool?

[matt4x4]

Yes, Anna is correct, and there's a BIG difference between liability and replacement coverage, one can have one, but not the other, a tree falling on the pool had NOTHING to do with Liability, and everything to do with replacement coverage.
Not having a fence around the pool will have nothing to do with replacement coverage, however it can affect liability insurance coverage.

[AnnaK]

[snip] . . . a tree falling on the pool had NOTHING to do with Liability, and everything to do with replacement coverage.

That depends on whose tree and whose pool it is.

If your tree falls on the neighbor's pool, it's property damage under the liability portion of the HO and is covered for full replacement cost under the tree owner's policy. Ditto if the neighbor's tree falls on your pool.

If your tree falls on your pool, coverage MAY exist under the dwelling portion of your own policy, depending on what caused the tree to fall. Damage subsequent to wind and hail is covered because wind and hail are covered perils. If the soil softened from excessive rain and the tree uproots as a result, it's not covered. Any loss resulting from poor maintenance of the trees (inadequate pruning, for instance) is not covered.

Sigh . . . someone stop me

[ivyleager]

That depends on whose tree and whose pool it is.

Sigh . . . someone stop me

If it falls and no one hears??????????????

[CoffeeBean]

Thanks to everyone on this thread I contacted my insurance company, USAA, and updated my policies to reflect the existence of the pool. I noted on one of AnnaK's recent posts that soem insurance companies feel that if the deck is connected to the pool it's considered part of the structure. Our AG pool is surrounded by a deck which is the third and lowest tier of our back decking system. Yet USAA considers the deck as part of the house structure but not the pool itself. (If the pool wasnt' there I'd have a big deck with a big hole in the middle.) I thought this was interesting. We do have it fenced but lets face it, if some juvenile delinquent is determined to get in, only 6' chain link and concertina wire may deter them. I'm not ready to go that route yet.

[NWMNMom]

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......