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Any number between 7.2 and 7.8 is an ideal pH for swimming pools or 80 to 120 ppm. Your pool testing kit should be able to measure both of these numbers. If your pool’s pH is below this range, the water is too acidic and can cause scaling and damage to pool equipment. If the water’s pH is above this range, it can decrease the effectiveness of necessary chemicals, like chlorine.

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.

Chlorine performs several functions, depending on where and how you use it. In drinking water, chlorine in small amounts kills potentially harmful bacteria. It's also a common ingredient in detergents for its whitening properties. Most people associate the chemical with pool use, where it works to kill and control bacteria, germs, and viruses in the water. 

It's not ideal, and if your pool’s pH is seriously low (below 7), swimming can be dangerous until you raise it, potentially causing severe irritation and damage to the skin and eyes.

Keep in mind that low pH can also be responsible for damaging the pool itself. Acidic water can contribute to the cracking of your pool's liner, which may cost up to $2,500 to replace, making this an expensive fix.