Does An Inground Pool Increase Homeowners Insurance? 
I have an in ground pool in my own back yard and we absolutely love it . It 's great being the house that all my kids ' friends want to go to . But , does it increase my insurance premiums ? Not necessarily , although it probably should . I 'll explain why in just a moment . First , let 's look at what an insurance company wants if you do have a pool . The biggest thing they want is a fenced enclosure around the entire pool . They want to be sure that anyone who enters the pool intended to enter the pool . Also to keep animals and small children from wandering into the pool . It 's usually not a case of a premium increase , it 's a yes or no question . If you do what they want -LRB- fence -RRB- , they 'll usually insure you with no increases . If you do n't do what they want , they 'll just refuse to insure you . Now , why would your premium increase ? Because a pool brings more liability along with it . Bad things can happen even if you take precautions . I would recommend liability limits of at least $ 500,000 and , usually at least a $ 1,000,000 umbrella policy . Doing this may cost you a little more but it 's well worth it . It may be as little as $ 85/year or it may be a little more depending on your home , cars , and family . Be smart , spend small dollars now to avoid big dollars later . 