Does An Inground Pool Increase Homeowners Insurance? 
An in-ground pool in and of itself does n't cause an increase in Homeowners ' premium , however , it does vastly increase your liability exposure . Here in Connecticut , local building departments have very specific requirements with respect to fencing around an in ground pool and the gate mechanisms as well . Gates must be self latching for exampla , and fencing needs to be a certain height . Check with your building department about those requirements . Next talk to your Insurance Professional about the terms and conditions of your Homeowners ' policy and specifically about the amount of Liability protection it provides . It would be smart to increase that protection within your Homeowners ' policy and to also talk about adding the extra protection of a Personal Umbrella Liability policy to your insurance plans . These are usually available in amounts of $ 1 million and up and are very reasonably priced for the added protection and peace of mind that they provide . 