How Much Does Having A Pool Increase Homeowners Insurance? 
In most cases , just having a pool does n't necessarily affect the pricing of a Homeowners ' policy , but it does affect underwriting requirements and should get you thinking about the best way to cover for that additional exposure . Here in Connecticut , building codes for each town regulate the security measures that are required for pools . In ground for example require fencing and self latching gates . Insurance rules will undoubtedly match that so if these are not in place , coverage wo n't be offered . As for the increased liability exposure , having a pool is one of many good reasons to talk to your Insurance Professional about Person Umbrella Liability policy for added protection . 