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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 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.

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.

There are pros and cons of in-ground vs. above-ground pools, which you should consider when choosing the pool of your summertime dreams. Some factors to think about include: 

• Above-ground pools are semi-permanent and movable, whereas in-ground pools are permanent structures.

• In-ground pools are more expensive to install than above-ground pools. 

• It takes one to three days to install above-ground pools and several weeks for an in-ground pool install.

• You can install an above-ground pool in smaller yards, but you need plenty of space for an in-ground pool.

While you should avoid draining an above ground pool on a regular basis, it may be necessary if you are experiencing common signs of major pool problems. When you fully drain your pool, do so slowly with the proper equipment and always avoid draining on a very hot day. In many cases, the pool liner and equipment depend on the cooling effect of the water.