You can place many materials under a pool to level it, including sand, concrete, solid foam, pavers, or finely crushed gravel. You can also use a tamper or roller to level ground without using a shovel to dig. No matter the material, make sure to level the ground with sand first for a smooth, even surface for the pool to sit on.

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.

An in-ground concrete pool will carry the highest price tag of all available types of pools, with architectural or freeform concrete pools found at the top end of the price range. Although the upfront costs for a concrete pool are high, these pools tend to be more durable than pools made from other materials and will last the longest. 

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.