Pool Insurance

While out-of-ground pools can be just as much fun for swimmers as those which are built into the earth, there is no comparison when it comes to price points. That is to say, if you have two pools which were alike in every way like dimensions, shapes and sizes, and the only difference between the two pools was being in or out of the ground, the in-ground pool would be the more expensive of the two options in 9 out of 10 cases. Maybe even more than 9 out of 10. There are a few good reasons for this price discrepancy too.

The main one is all of the extra work which goes into installing an in-ground pool versus an out-of-ground pool. With the latter, you just find a flat (or mostly flat) bit of earth, then clear out and rocks, sticks and other debris before you put down the pool. That’s it. It’s so easy most out-of-ground pool owners can install the pool without any professional help. In-ground pools require excavation, both for the pool itself as well as digging holes to feed pipes and drains through. The walls need to be thick and reinforced, which is again much more expensive than the out-of-ground pools.

The one place where in and out of ground pools don’t differ is their need for filtration. A chlorine tablet can do to keep the water clean, but it must still be run through some sort of filter to catch debris and any other foreign bodies that don’t get done in by the chlorine. Large pools of both types may occasionally use specialized ceramic filters which are inherently antimicrobial thanks to having no organic ingredients. You can find out more here about these filters, which are also used in large aquarium setups sometimes.

Because most large pools use the same type of filter for large water tanks, you don’t really pay more or less for insuring either type of pool over this particular aspect. That’s not to say there aren’t different filter systems for sizeable pools, but Canister Filter Guide is still a good resource if you’re looking for pool filters. Moving on, if you plan to use the pool during winter months, you’ll need to worry about heating elements to keep the water warm. These can be built into the ground, in the walls of an in-ground pool, or around the walls of an out-of-ground pool. Want to guess which is cheaper?

If you went with the out-of-ground heating option, you would be right again. Because there are so many different costs and insurance concerns to consider when trying safeguarding a pool, you should take care to get the right kind of pool in the first place. That way you don’t end up paying too much to keep it safe, so you end up having money left over for other things like toys, cleaning supplies, diving boards, ladders and other pool accessories. Regardless of the type of pool you go with, or whatever else it is you want to insure, one thing rings true: if you can afford it, you can afford to insure it.