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I'm really not concerned with what you do with your pool and never stated anything remotely like that. You claimed that pool liability insurance was not required and I simply pointed out that it probably is and you just don't know about it. Why do you think you needed to report it to your insurance agent? If they weren't charging you for it, it wouldn't matter.

I reported it because I want to limit my potential exposure to liability. I checked with the agent to see if the pool was covered by the current policy or if I needed a special rider or additional liability insurance. I was told that the current policy would cover the cost and my premium would not change. I never said not to check with your agent. All I'm saying is that there is not an automatic premium increase due to adding a pool.

As for pool liability insurance being required, it isn't. It a condition of the mortgage loan. Once the house mortgage is paid in full, what regulation could you cite that would prevent me from dropping all coverage on my house if I choose to do so?

Since you like making comparison to auto insurance, why do I need full coverage on my vehicle? I don't since I don't owe anything on my vehicle. But when there was a loan, the loan company made sure I was carrying full coverage.

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