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It’s a good idea to wait at least 24 hours after opening your pool before you swim in it. Pool opening often involves shocking the water, and the chemical levels need to come down a bit before it’s safe to swim. You can continue testing your water pH and chlorine levels if you’re in a rush. It’s wise to wait until your chlorine levels drop to under four parts per million (ppm) and you have a water pH of between 7.2 and 7.8. You can artificially lower your water pH to speed up the process.

A well-built and well-maintained concrete pool should last anywhere from 50 to 75 years. Concrete is prone to cracking, so winterization and regular pool repairs are particularly important. Water can seep into existing cracks, freeze, and make them worse. Most homeowners should resurface their concrete every few years to maintain their pool’s lifespan. 

How long a pool liner lasts depends on the type of pool. Most in-ground pool liners last between six and 12 years, while aboveground pool liners last anywhere from six to 10 years. You can extend the life of your pool liner by maintaining proper pool chemistry, adding chemicals individually to avoid staining the liner, using a pool cover to protect it from the sun, and keeping sharp objects away from it.

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.