How Much Does A Pool Increase Homeowners Insurance? 
It really depends heavily on the homeowner carrier chosen and the type of pool , whether in-ground or above-ground . In Florida , the premium will also be affected by the presence of a screened-in pool . While the screened-in situation helps with the accidental fall peril factors on the liability side , the screen has a negative effect in terms of its vulnerability to wind damage on the property side . Security devices in and around the pool and access doors can have an affect on the pricing . Bottom line is that carriers view and rate pools differently . You really need to get some rate comparisons . 