Do you insure your AG Pool?

[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