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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.

A pool heater is worth the expense, given that it can extend your swimming season by several months, depending on where you live. For many, adding a pool heater allows the pool to remain in service from May through mid-October. Even temperatures in the 40s and 50s are tolerable when the water in the pool is heated.

If you have a smooth, already bonded concrete surface, painting a concrete pool deck can be a great way to brighten up the area and add longevity. If the surface has another covering or a different type of paint has been used previously, you won’t be able to paint it without removing the existing coating. Wooden decks benefit from painting as it helps to keep them watertight. Quality pool deck paints also help make the surface less slippery and less likely to gather mold and mildew or prematurely crack.

Yes, it’s possible to put too much salt in your saltwater pool, and doing so can cause a number of problems, including corroding metal parts and causing the chlorinator to stop working correctly. In general, slightly elevated salt levels won’t cause serious problems beyond salty-tasting water, but you should dilute the water in a pool with extremely high salt levels to prevent damage to its components.