How Much More Is Homeowners Insurance With A Pool? 
A swimming pool is an attractive luxury and may in many ways enhance the sales value of your home , but your insurance company factors it as a possible risk . Homes are insured based on reconstruction value and relative risk to the insuring carrier . A swimming pool can pose a threat to the carrier since there lies the possibility of danger and a personal liability . It is more likely that a child or impaired adult may become injured in or by the pool rather than your home being destroyed by fire . In most cities around the country , there is an ordinance in force requiring homeowners to have swimming pools within a fenced yard protected by a latched gate so not to invite strangers to the use of the pool without the owner 's permission and knowledge ; insurance companies all impose the condition that a swimming pool is in a fenced and gated area without public access . Even though the swimming pool poses a greater liability risk , most insurance carriers do not assess an increase in premium ; however , they will always ask if you have a diving board and/or slide . The diving board and slide pose a much greater risk than the swimming pool itself . Some insurance carriers will not insure a home with a pool if there is a diving board , slide or a trampoline in the yard . For homeowners with a swimming pool , it is highly recommended to carry the highest available personal liability insurance limit ; most likely $ 500,000 , in most States , there is no deductible applicable to the liability portion of the policy and the premium is unlikely to cost more than $ 40 - $ 80 per year for the additional liability insurance coverage . If this topic is of greater concern , you may purchase a Personal Umbrella Policy which in most cases will provide an Excess Form of liability up to $ 5 Million of coverage for a separate premium . 