How Much Does Home Insurance Go Up With A Pool? 
Assuming your pool is installed correctly , properly maintained with adequate safeguards in place , installing a pool should have little to no effect on your premium . Most policies limits on appurtenant structures -LRB- in-ground pools -RRB- or personal property -LRB- above ground pools -RRB- are more than adequate . In rare cases , when these limits must be increased , the additional premium should not be more than $ 50-100 a year . Diving boards , water slides and other accessories presenting unusual hazards may cause a problem . Some insurers simply refuse to write or renew policies with this type of exposure . In these cases , you could see a significant increase in premium coupled with more restrictive coverage . Checking with your insurance company or agent is something I would do prior to installing a pool . If you are not comfortable with the answer , get other opinions . There is no one size , fits all . 