How Much Does An Above Ground Pool Raise Your Insurance?

30 Second Answer

A above-ground pool could affect your eligibility for homeowners insurance. It can add to the cost of an insurance policy due to liability exposure. The majority of insurance companies have a restriction on access to your pool, meaning you might have to take safety measures, such as locking gates or fencing.

How much does a pool increase your home value?

A pool increases your home value by 5-8 percent.

A pool is a wonderful addition to any home. They can provide hours of enjoyment for the whole family and can be used all year round. While many people believe that a pool will increase the value of their home, the average is actually only between 5-8 percent.

There are several factors that come into play when trying to determine how much a pool will affect your home’s value. The first is the location of the home. If you live in an area where pools are not common, your home’s value will likely go up more than if you live in an area where pools are plentiful. The second factor is the size of the pool. A large pool will usually have a greater impact on your home’s value than a small one. The third factor is the type of pool. An inground pool will usually have a greater impact than an above ground pool.

The fourth and final factor is how well the pool is maintained. A well-maintained pool will usually have a greater impact on your home’s value than one that is not well-maintained.

While a pool can increase the value of your home, it is important to remember that the average increase is only between 5-8 percent. There are many factors that come into play when determining how much your home’s value will be affected by a pool, so it is important to do your research before making any decisions.


An above ground pool can be a great addition to any home, providing hours of enjoyment for the whole family. However, before you make the decision to install one, it’s important to be aware of the potential impact on your home insurance.

Most insurance companies will classify an above ground pool as either a “permanent” or “temporary” structure. Permanent pools are typically made of concrete or Gunite, while temporary pools are usually made of metal, plastic or inflatable materials.

Permanent pools are usually considered to be a higher risk than temporary pools, and as such, they may result in a higher premium. This is because permanent pools are typically more difficult and expensive to remove should you decide to do so in the future. In addition, permanent pools may also require additional safety features, such as fencing, which can further increase the cost of insurance.

On the other hand, temporary pools are typically less expensive to insure than permanent pools. This is because they can be easily removed and don’t usually require extra safety features. However, it’s important to note that some insurance companies may still consider a temporary pool to be a higher risk if it’s not properly installed or maintained.

Regardless of whether you have a permanent or temporary pool, there are certain things you can do to help keep your insurance costs down. For example, most insurance companies will offer discounts for homes with pool safety features like fencing and alarms. In addition, maintaining your pool in good condition can also help to lower your premium.

What is an above ground pool?

An above ground pool is a temporary or permanent structure that is used to contain water for swimming, diving, or other recreational activities. An above ground pool typically has a deck built around it and may also have other features such as a spa, slides, or waterfalls.

Most above ground pools are made from steel, aluminum, or plastic and are typically less expensive than inground pools. Above ground pools can be found in a variety of sizes and shapes, making them a popular choice for many homeowners.

While above ground pools offer many benefits, they can also pose some risks. For example, if an above ground pool is not properly installed or maintained, it may leak water which can lead to property damage or injuries. Additionally, if an above ground pool is not adequately fenced in, there is a risk that small children or animals could gain access to the pool and drown. Because of these risks, it is important to consult with your insurance agent to determine if an above ground pool will impact your homeowners insurance rates.

How does an above ground pool affect your insurance?

An above ground pool may increase your homeowner’s insurance rates because it is considered a liability. If someone were to drown in your pool, you could be held liable. If your pool is fenced and has a self-closing, self-latching gate, your rates may not go up as much as they would if you did not have these safety features. You may also be required to purchase additional liability insurance to cover your pool.

The benefits of an above ground pool

An above ground pool can provide your family with hours of fun and entertainment during the summer months. In addition, it can also add value to your home and help you save money on your insurance premiums.

The drawbacks of an above ground pool

An above ground pool is a great way to enjoy your backyard during the summer, but it can also be a source of anxiety for some homeowners. In addition to the dangers posed by an unsecured pool, some insurance companies may view an above ground pool as an increased liability risk and raise your rates accordingly.

Before you purchase an above ground pool, it’s important to consult with your insurance agent to see how it will affect your policy. Some companies may not cover pools at all, while others may only cover certain types or sizes of pools. In most cases, you’ll need to purchase additional liability coverage to protect yourself from lawsuits in the event that someone is injured in your pool.

The cost of this additional coverage will vary depending on the size and type of pool you have, as well as the value of your home and your personal liability limits. In general, you can expect to pay about $50 per year for every $100,000 of coverage you purchase. So, if you have a $300,000 home and you want $500,000 in liability coverage, you can expect to pay an additional $150 per year for your insurance.

How to choose the right above ground pool

There are three main types of above ground pools on the market today. These are steel walled, resin/plastic walled and inflatable pools. All have their pros and cons, but the type of pool you choose should be based on your needs and budget.

Steel walled pools are the most durable and longest lasting type of pool. They are also the most expensive. Resin/plastic pools are not as durable as steel but they are less expensive. Inflatable pools are the least durable but they are also the least expensive.

The size of the pool you choose should be based on the amount of space you have available and how many people you want to be able to accommodate. Above ground pools come in a variety of sizes from small 8-foot round pools up to large 18-foot by 36-foot oval pools.

The final factor to consider when choosing an above ground pool is the cost of ownership. This includes the cost of the pool, any accessories you may need, chemicals and ongoing maintenance costs.

Kylie Mahar

Kylie Mahar is a financial guru who loves to help others save money. She writes for, and is always looking for new ways to help people make the most of their money. Kylie is passionate about helping others, and she firmly believes that financial security is one of the most important things in life.

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