Should You Buy a House with a Pool?

18th Aug, 2021 | Customer eNews

In this article:
It's the great divide among home buyers – should you buy a house with a pool? Which side of the fence are you on?

We’re all staying home a lot more at the moment, so it makes sense to look for a home that ticks a few more boxes than just a roof over your head. Enter the pool debate. It’s a polarising topic where people firmly choose sides, and they stick to it.
Here’s what you need to know if you’re thinking about dipping your toe in the water.

Tick off this list at the house inspection

When you inspect the house, don’t forget to pay close attention to the outside of the house as well as the inside – especially if there’s a pool.

Check the condition of the pool and look for obvious issues

Check if there is a pool safety certificate or compliance certificate. This will tell you that the pool meets the safety regulations for the state. If the pool isn’t compliant, it could cost you time and money to bring it up to standard.

Is the pool positioned in a good spot that ensures the water will be at optimal swimming temperature? (Will it get enough sun? Is it in shade?)

Are there trees or vegetation close by with root systems that could affect the integrity of the pool.

Novice or seasoned investor, we can help

Arrange a pre-purchase pool inspection

Pools don’t last forever, and fixing big problems can be costly. But it takes a trained eye to know just what kind of shape an existing pool is in. Just like you would arrange a building and pest inspection, engage a qualified pool inspector to give the pool a once over as part of your contract conditions. They will check the operation of the pool pump and filters, look for water leaks and examine the integrity of the pool wall or liner. 

Check out pool ownership popularity in the local area

The value a pool adds to a property will often depend on potential buyers. Some buyers won’t even entertain the idea of a home with a pool, while others will specifically look for homes that have one for the lifestyle aspect. It’s worth checking to see whether pools are popular in the area where you’re looking to buy. The level of pool ownership may give you an indication of whether it’s worthwhile in that location.

Update your home insurance

Most home insurers will cover your pool as part of your insurance policy. There’s no extra charge to cover pools, but your premium is calculated on the amount of cover you need based on your property attributes (including the pool). It’s important to let your insurer know you have a pool so they can advise what cover is available under their standard policies and what additional coverage you can choose. (Motor burnout is a common optional extra that could be helpful if you have a pool).

Jumping in the deep end

Having a house with a pool can be wonderful, but it also comes with responsibility. Making sure it is a safe and functional space should be your top priority.

No matter which side you’re on, it’s always good to weigh up your options.


  • Cool off in summer without leaving your home
  • No more public swimming pools
  • Fun at home with the family
  • Keeping active is easy


  • Electricity costs for running pumps and filtration system
  • Maintenance costs including keeping the water in the swimmable condition
  • Regular pool cleaning
  • Safety hazard for small children or weak swimmers
  • As kids grow up, it may get used less

Speak to a Yellow Brick Road Mortgage Broker to get their insights on whether a house with a pool is the right move for you.