Does having a pool affect homeowners insurance?

Yes & no. It depends on the company. Some company’s will charge while other will not. The main concern is that the pool access is restricted. A gate around the yard or a gate around the pool. Can the pool be seen from the street to where a child may be “lured” into the yard by the looks of an inviting pool? Pools are a big liability concern.

You may want to be aware that you can be sued if someone drowns in the pool even if they do not have your permission to be there. Diving boards are another major concern and some companies will not insure the home.