Assuming your pool is installed correctly, properly maintained with adequate safeguards in place, the presence of a pool should have little to no effect on your premium. Most policies limits on appurtenant structures (in-ground pools) or personal property (above ground pools) 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.
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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.