How Much Does A Pool Increase Home Insurance? 
Does the presence of a Swimming Pool increase Home Insurance Premium ? Swimming Pools that belong to a Single Family Residence and are gated from public entry do not pose any additional hazard to an insurance carrier ; however , it is the insured 's responsibility to disclose the fact that there is a pool . Most carriers inspect each and every dwelling and will insist that there is no public access to the pool and the area is protected by a latched gate . There may however exist an additional hazard associated with the swimming pool , the presence of a Diving Board or a Slide . Each carrier hasits own independent assessment on underwriting the risk ; there are some carriers that will notaccept a homewith the presence of a diving board orslide ; also , there are some carriers that will accept a slide only if it is an in-ground slide for example built in a rockery type area sliding into the pool . This whole topic is focused on thehazard that exists for the risk at hand . Although , a pool will not generate a higher premium , the circumstance may make the home ineligible for insurance with various carriers . 