Im in the market for a house, and I found one that I like but it has a inground pool. How much more is insurance usually because of the pool. Its all fenced in but I know the insurance is going to be higher but, just wondering how much on average.
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Houses with pools.
- Thread starter silverado31794
- Start date
Not sure on insurance but you might want to have a pool inspector look at it and make sure you don't just buy a $5000 dollar unplanned project. It happened to a friend of mine. I know that's off the topic so not trying to be a troll. My buddy found out the hard way
No I dont mind at all. Could use advice. The listing said it was a plastic lined pool or something like that.
Keeping up a pool is costly, I've heard $200-$600 per month depending on size.
My father in law has one and it is year round maintinence and every couple years the pump or something costly goes out. I know the chemicals are not cheap by themselves but parts are expensive!!
Good friend of mine is a pool man an he said around 100 a month to let him do it.
On a well kept Vinyl lined pool using chlorine you might expect 200 to 400 a YEAR in chemicals. On a bad year, you might expect 400 on repairs. If you convert it to Salt water, after the initial conversion cost, you might expect 100 to 200 a YEAR in chemicals and about the same on maintenance. Some years your pool will clean right up, others you will rack your brain(and wallet) trying to figure out why it won't. If you have kids of the swimming age, it's worth every penny. But if you spend all your money keeping it spotless for the neighbors, Well, that's your call.
This looks like some good info:
http://wiki.answers.com/Q/How_does_having_a_pool_affect_homeowner's_insurance
Just be aware that something like a pool falls into the category of being an "attractive nuisance."
http://en.wikipedia.org/wiki/Attractive_nuisance_doctrine
If some kid crawls over or under a fence and drowns, you are probably in for one hell of a legal battle. You are smart to be considering the insurance angle. Probably your insurance company could give you good info on what type of fence/precautions would be needed.
-Personally, I don't plan on ever having a pool. I just don't want the headache of dealing with the chemicals, nor do I want to take the legal risk. Even if you have good insurance, and you did everything reasonable and prudent to keep people out of the pool, if someone breaks their neck diving in the shallow end, or if little johnny goes tits up because of his own curosity, you will be in for a absolute legal system nightmare-even if the other guys never are awarded a dime.
The insurance company will cover you (provided that you do everything they require very precisely,) but that won't stop the tons of depositions, summons, and crazy mess you would have to deal with to defend yourself. This sort of thing could drag on for years. I just pay $7 for my peeps to go to the local pool when we feel the urge. Well worth it to me.
http://wiki.answers.com/Q/How_does_having_a_pool_affect_homeowner's_insurance
Just be aware that something like a pool falls into the category of being an "attractive nuisance."
http://en.wikipedia.org/wiki/Attractive_nuisance_doctrine
If some kid crawls over or under a fence and drowns, you are probably in for one hell of a legal battle. You are smart to be considering the insurance angle. Probably your insurance company could give you good info on what type of fence/precautions would be needed.
-Personally, I don't plan on ever having a pool. I just don't want the headache of dealing with the chemicals, nor do I want to take the legal risk. Even if you have good insurance, and you did everything reasonable and prudent to keep people out of the pool, if someone breaks their neck diving in the shallow end, or if little johnny goes tits up because of his own curosity, you will be in for a absolute legal system nightmare-even if the other guys never are awarded a dime.
The insurance company will cover you (provided that you do everything they require very precisely,) but that won't stop the tons of depositions, summons, and crazy mess you would have to deal with to defend yourself. This sort of thing could drag on for years. I just pay $7 for my peeps to go to the local pool when we feel the urge. Well worth it to me.
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Just another money pit. That's what you'll be doing. . . . throwing money at it!!
