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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.

If you put too much baking soda in your pool, your alkalinity will rise. That means you’ll need to take steps to lower your alkalinity. You can either add more water (which will require more chemicals because they’ll be diluted), wait for the alkalinity to lower naturally, or use a chemical like muriatic acid to lower it. 

The depth of your pool depends on its intended use, the size of your lawn, and whether you opt for an in-ground or aboveground pool. Aboveground pools tend to be between four and six feet deep while in-ground pools range anywhere from three to eight feet. Permanent installations also have the option of shallow and deep ends.

You shouldn’t swim in a pool with algae. When there’s algae, there’s also bacteria that’s feeding on the algae. Also, algae-infested pool water is often chemically imbalanced, which means germs like Cryptosporidium, Giardia, and E.coli could be present. These germs can cause a range of illnesses from gastrointestinal issues, to rashes, and respiratory problems.

The best thing to do is to get rid of the algae first, test and balance the water, and then you can enjoy swimming without any worries.