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.

It depends on your priorities. Many homeowners enjoy the health benefits of a swim spa. The heated water boasts the benefits of a hot tub, which some people find helps relieve pain, increase circulation, and aid in stress relief. You’ll also be able to use it for exercise like you would a lap pool. It’s a two-in-one product.

Most importantly, you should never cut corners when building a pool. Whether it’s an in-ground or aboveground, poorly constructed pools are dangerous to both the swimmers and your property. Leaks can even lead to home foundation damage. While you can DIY smaller elements of pool installation, always hire a contractor to oversee the process.

You cannot DIY a gunite pool—unless, of course, you’re a homeowner who happens to also be a professional pool installer. And even pros need to have experience with gunite pools, in particular, before installing one. Only a skilled gunite pool technician can install this type of pool—it’s not a project you can do yourself.