Houses for sale with a swimming pool

Swimming pools can add value to a property, but this depends on location, pool type, and buyer expectations. In luxury markets, adding a pool can increase a property’s value by an average of 10%, with indoor pools adding an average of 20%.

However, a pool can make it harder to sell a property if it’s old, high-maintenance, or in a small garden. In high-end markets, buyers can expect premium amenities such as a well-maintained pool, and indoor pools are most appealing because they can be used year-round. Pools can be expensive to run due to high cleaning, heating, and repair costs, so this needs to be taken into account.

Yes, most home insurance policies cover swimming pools, but coverage will vary by type and policy. Permanently installed pools are usually covered under buildings coverage for damage from hazards such as fire, storms, or vandalism, and liability coverage offers protection if someone is injured in your pool. Always inform your insurer if you have a pool and check your specific policy documents to confirm what is included.

The cost of pool maintenance depends on pool size, type, and usage, and is split between chemicals, cleaning, heating, and pool services. In-ground pools are typically more expensive to maintain compared to above-ground pools. If you use your pool more frequently, you’ll need to spend more on chemicals and heating. A high-quality pool cover can reduce heat loss and evaporation, significantly cutting costs.