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Yes, adding a pool to your property will almost always increase your homeowners insurance premiums. This is because pools are considered hazardous, which increases your home's liability risk. The replacement cost of the pool itself is also factored into your home's rebuilding cost when determining coverage limits. The amount of the increase can vary from as little as $50 to several hundred dollars more per year, depending on your insurance company, location, current coverage, and installed safety features. It is best to contact your insurance agent before installing a pool to get an estimate, understand their specific guidelines, and factor the ongoing cost into your budget.

High alkalinity, which is above seven on the pH scale, is the result of improper chemical levels in the pool. Each chemical you use to keep your pool clean has a different pH, so a ratio that isn't optimized for your pool size may cause the number to go above 7.8, the high end for a good pH range in most swimming pools.

Calcium lumps in a pool are calcium deposits that form when a pool's water parameters are not in the normal range. They can float around on the surface of the pool water, making it look and feel dirty. The most common causes of calcium lumps in pools are calcium hardness above 1,000 ppm, alkalinity over 120, and a pH over 7.8. Keeping your pool’s calcium levels, alkalinity, and pH levels within the normal, safe ranges is the best way to prevent calcium lumps and other problems, including damage to the pool surface.

The most expensive part of building a pool is typically the excavation and labor, which can account for 25% to 50% of the total project cost. This is particularly true for inground pools that require significant excavation, potentially including the rental of large equipment, and extensive construction labor. In contrast, above-ground pools are generally less expensive as they typically do not require excavation and can be installed much more quickly. Concrete in-ground pools are among the most labor-intensive options.