How Much Does A Pool Raise Homeowners Insurance? 
In and of itself , a pool wo n't necessarily have an affect on your Home Insurance premiums . Unless you construct a more elaborite oasis for your family that may include a cabana , changing room and storage building that might require an increase in the `` Other Structures '' coverage in your homeowners policy , you should n't notice a change . However , with the addition of a pool , you do increase your personal liability exposure so be sure to talk to your insurance professional about your coverage options . It is always a great idea to look for extra protection in the form of a Personal Umbrella Liability policy . 