[Lottoguy]

A pool does effect the cost of a premium. That is why they ask you if you have one. Those birdcages over the pool are the first things damaged when the high winds comes from a hurricane. Not to mention accidents that can happen around or in a pool.

[jrref]

Originally Posted by JRcorvette

Observation from posts above:
Insurance is just a piece of paper until you have a claim, especially a major claim. You will wish that you had a well recognized company who has national coverage and a good track record.

I looks like most people are underinsured for what it would cost to rebuild should they sustain a total loss. If you are not insured 80% to value you will be hit with a co-insurance penalty. You will not find this out until you have a major loss.

Look over your policy and understand the Limitations and Exclusions before you have a claim.

The only thing I would add is there is no guarantee even from a well recognized company who has national coverage and a good track record that they will pay major claims without a lot of effort and possibly legal action. During hurricane Milton, many of my friends and neighbors had Progressive, AllState and others and they only wanted to pay a fraction of the cost to repair the roof and water damage. Many had to resort to legal action to get paid. So these days, just find a company with the least amount of complaints and a good rating and you should be fine.