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Gunite pools are not exactly easy to maintain—but we wouldn't call them "high maintenance." It's one of the longest-lasting pool options, but its porous surface does require a lot of care. You’ll need to thoroughly clean the pool often to prevent stubborn algae growth, and the pool will require higher chemical levels to keep it clean. 

Pool pumps should work discreetly and quietly. If you hear loud screeching or grinding sounds from your pool pump, it’s a good indication that its motor is starting to fail and may need replacing.

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.

A black tarp will indeed heat your pool. Black absorbs more heat than other colors. This heat will transfer down to the water in your pool and help increase the temperature. It will not be extremely effective at raising the overall temperature, but it can help maintain the current temperature.