Above Ground vs. In-Ground Pools: Which Is Right for Your Home?

​Considering a backyard pool?

Learn the pros and cons of above ground vs. in-ground pools—from cost and maintenance to aesthetics, resale value, and how each impacts your homeowners insurance.

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​When Texas summers hit full force, there’s nothing like having your own backyard pool. But if you’re debating between installing an above ground or in-ground pool, the decision goes far beyond just price and appearance. Let’s break down the pros and cons of each—and how your insurance might be affected either way.

💰 Cost & Installation: A Clear Divide

• Above Ground Pools: These are significantly more affordable, often ranging between $2,000 and $10,000 (including installation). Many homeowners even go the DIY route. Setup is fast, often within a day or two.
• In-Ground Pools: These are a major investment, with costs starting around $35,000 and easily climbing beyond $70,000 depending on materials and features. Installation can take several weeks and often involves permits and inspections.

✅ Pro Tip: In-ground pools may increase your home’s resale value—especially in warmer states like Texas—but not always enough to offset the initial cost.

🛠️ Maintenance & Longevity

• Above Ground Pools: Easier and cheaper to maintain, but they typically last 7–15 years before needing replacement. Liner replacements are more frequent.
• In-Ground Pools: Built to last with proper upkeep, often exceeding 30+ years. However, maintenance costs are higher, and repairs (like resurfacing or pump replacements) can get pricey.

🏡 Aesthetics & Landscaping Impact

• Above Ground Pools: Less visually appealing unless surrounded by custom decking or landscaping. They can also take up significant yard space and be considered temporary structures.
• In-Ground Pools: Seamlessly blend with landscaping and can be customized with features like tanning ledges, waterfalls, or hot tubs. They create a more luxurious look and permanent backyard oasis.

🛡️ Insurance & Liability Considerations
Regardless of which pool type you choose, there are important insurance factors to weigh:

• Liability Coverage: Pools increase the risk of injury, so your home policy should include sufficient liability limits (often $500K or more). 
• Fencing Requirements: Most insurance carriers require fencing or enclosures for both types of pools—typically 4 feet high with self-closing, self-latching gates.
• Above Ground Pools: Some carriers may exclude coverage for damage to above ground pools or treat them differently than permanent structures some may even consider them personal property is portable.

📞 Not sure how your current policy treats pools? Reach out—we’ll review your coverage and let you know exactly where you stand.

🏁 Final Thoughts
If you're looking for a quick, affordable summer escape, an above ground pool might be your best bet. But if you’re building your forever home or want long-term value and aesthetic appeal, investing in an in-ground pool could pay off.

Either way, be sure your insurance reflects the added risk and value a pool brings to your property.

Need help updating your coverage or getting a pool-friendly quote?
Contact Corin Insurance Group today—we’re happy to dive into the details with you.

​Disclaimer:
Coverage details may vary by carrier, policy type, and location. This article is intended for general informational purposes only and does not guarantee coverage or policy approval. Always consult your licensed insurance agent to review your specific coverage needs before installing a pool.