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You'll feel the most comfortable in pool water between 78 and 82 degrees Fahrenheit. Lower temperatures are a bit brisk, while higher temperatures can lead to algae and cloudy pool water. Choose a pool heater that either runs automatically when your water dips below 78 or switch it on several hours before using the pool for the day.

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.

At noon, when the sun is at its highest point, sunlight can naturally increase the temperature of a pool by 0.7 degrees each hour, but this can depend on other external factors. For example, evaporation caused by the sun will cause a pool to lose up to 5 degrees for every 1/2 inch of water evaporated. Using a water heater will produce more reliable results.

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.