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Paying a little bit more for a liner that you'll never have to replace is worth it! Add the Horizon pool pad and cove kit to the liner purchase and the 100% Warranty will extend not only to seam separation but to any other failure of the liner due to manufacture defects.
Merchant Services. Vinyl pool liners tend to last 8 years on average with a high rate of variation. In other words some pool liners last 3 years and some last 15 years. It all depends on good and bad maintenance, use and abuse, and good and bad luck.