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Both above ground and inground pools can have pool liners. Inground pools made of gunite don’t need pool liners, and you’ve probably walked along an unlined pool and felt the ripples and ridges on the floors and walls. But adding a liner over gunite or other pool types helps protect the wall panels from algae growth.

Yes, you will need to shock your pool with high levels of chlorine or bromine when you first fill it to kill off bacteria and pathogens. You’ll need to wait for the chlorine concentration to come back down to a safe level before swimming. After that, you can test and maintain the chlorine and other levels as normal. The only exception to this is if you get pool water delivered by a professional. In that case, the water might come pretreated, so you might not need to shock it.

Generally, you do not need to drain your pool to convert it to a saltwater system. The main exception is if you have used an antibacterial agent containing polyhexamethylene biguanide to sanitize your pool, as these sanitation products do not mix well with saltwater systems. If this is the case, you will need to start fresh. You can either drain the pool or treat the existing water with a high dose of chlorine to remove the antibacterial agent. If you choose the chlorine treatment, wait several days to allow the chlorine to work before proceeding with the conversion. If you are unsure whether this applies to your pool, consult a pool technician.

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.