$25,000
Home insurance companies commonly offer an umbrella liability policy as a supplement to your homeowner policy. These policies offer up to $1 million in personal liability protection for incidents at your home, including your pool, and while you are driving.  Standard and Enhanced Liability Coverage. While a standard homeowner's policy as of 2015 offered $100,000 in liability coverage, the Insurance Information Institute recommends pool owners up that to $300,000 to $500,000. For an additional $300 annually, you can obtain $1 million in coverage. Insurance companies vary in how they assess a given pool for insurance purposes, so it is not possible to estimate additional premiums for every kind of pool. Things that tend to damage in-ground pools, such as earthquakes or maintenance problems, are not typically covered by homeowner's insurance. First, let’s look at the cost of actually building a pool. Obviously, the fancier the pool, the more expensive it will be. On average, an in-ground pool can cost anything from $12,000 to $50,000. An above-ground pool may be a bit cheaper. But, if you want to add more features such as waterfalls, lights, attached spa, upgraded filtration and sanitizing equipment, concrete, etc., it may cost a lot more! 1 Chemicals – Some of the chemicals you’ll need are chlorine tabs, chlorine shock, and PH, alkalinity and hardness control. 2  These will run you approximately $300 per year. 3  But, if it’s a new pool, or you just “opened the pool” after a long period of not being used, your chemical costs may be a bit higher initially. Moreover, a policy generally covers injuries and not damage to the pool itself. For the latter, you will likely need a separate plan, over and above your homeowner's plan. While the premium varies with the amount of coverage, it can cost an additional $200 per year for $1 million in excess coverage. Insurance companies vary in how they assess a given pool for insurance purposes, so it is not possible to estimate additional premiums for every kind of pool. Things that tend to damage in-ground pools, such as earthquakes or maintenance problems, are not typically covered by homeowner's insurance. Amount. Most insurers will recommend that you increase your liability coverage from the standard $100,000 to as much as $500,000, and will quote you accordingly. The premium increase could be minimal in a warmer climate where the cost of insuring a pool is sometimes already factored into premiums. In some parts of the country, you could be adding between $50 and $75 to your premium. Chemicals. The cost for pool chemicals averages between $50 and $100 per month depending on your climate, pool size and frequency of use. Above-ground pools of a similar size will cost the same as in-ground counterparts.  There are several factors that will determine the inground pool cost and that will be determined primarily by you. Although pool prices will vary from region to region in the country, a typical base pool price starts around $20,000 – $28,000 in most areas.  This is a policy that relates particularly to the pool itself, and will provide up to $1 million in liability coverage in addition to what’s provided by your regular policy. This can cost between $200 and $300 in addition to your regular premium. Discuss this with your insurance agent before making a decision. The premium increase could be minimal in a warmer climate where the cost of insuring a pool is sometimes already factored into premiums. In some parts of the country, you could be adding between $50 and $75 to your premium. An umbrella liability policy can be an affordable way to add $1 million -- or more -- in coverage on top of your existing home liability protection. The average umbrella insurance policy costs approximately $150 to $300 more per year. So if your home is covered for $250,000, your pool would be covered for $25,000. The liability portion of your homeowners policy would also provide some coverage. If someone slips on the pool deck and has to go to the emergency room for X-rays, this would be covered under liability. In this case, higher amounts of this coverage can be written for specific structures. Continuing with the above example, if your pool cost $14,000 and you also have a detached garage worth $10,000 and a gazebo overlooking your pool worth $6,000, you might decide to raise the coverage on your pool. To obtain a higher amount of coverage for your pool, contact your insurance agent. 
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extra insurance cost for an inground pool