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.

Generally, you do not need to drain your pool to convert it to a saltwater system. The main exception is if you have used an antibacterial agent containing polyhexamethylene biguanide to sanitize your pool, as these sanitation products do not mix well with saltwater systems. If this is the case, you will need to start fresh. You can either drain the pool or treat the existing water with a high dose of chlorine to remove the antibacterial agent. If you choose the chlorine treatment, wait several days to allow the chlorine to work before proceeding with the conversion. If you are unsure whether this applies to your pool, consult a pool technician.

In many homes, an unfinished basement is an ideal place for an in-ground pool. The concrete floors, protection against water damage, and access to the ground below your home make this a large contender. Speak with a local basement remodeling contractor to ensure your space is right for the large construction.

How often you should add water to your pool depends on how quickly the water evaporates. Keep an eye on your skimmer box, if you have one. Top up the water in your pool if you notice the water levels are lower than the bottom third of your skimmer. This helps prevent damage to your pump. 

Replace all the water in your pool every five to seven years, depending on how often you use your pool, the weather, and whether or not you close your pool for the winter.