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Whether your homeowners insurance covers a pool leak depends on your specific policy, so it's essential to check your policy documents before taking on any repairs. Typically, leaks caused by a covered event, such as a fallen tree branch or a fire, may be covered. However, leaks resulting from general wear and tear or poor maintenance are usually not. It is also a good practice to review your homeowners insurance policy before installing a pool to fully understand your personal liability and coverage.

Sometimes, homeowners choose to install their pool on concrete, foam tiles, or patio pavers. Leveled dirt is also fine, as long as it’s not sod or grass. Regardless, you’ll need to install sand as a buffer to prevent your liner from tearing. Some pool installers also use a protective foam pool pad.

Yes, adding a pool to your property will almost always increase your homeowners insurance premiums. This is because pools are considered a greater liability due to their potentially hazardous nature, and the added replacement cost of the pool is factored into your home's rebuilding cost when considering coverage limits. The amount of the increase can range from as little as $50 to a few hundred dollars more per year, depending on your insurance provider, location, current coverage, and the safety features installed. Before building a pool, it is highly recommended to contact your insurance agent to get an estimate, discuss their specific guidelines and requirements, and factor the increased premium into your total pool installation costs.

The life expectancy of a gunite pool is about 100 years or more with proper care. Clean your pool at least once a week and plan to resurface it every five to seven years. For winter, close down the gunite pool but don’t drain it. And you can increase your gunite pool’s longevity by repairing any damage and addressing any issues as soon as you notice them.