Where do you purchase your pool supplies?

A friend of mine has a “saltwater” swimming pool, it does not require the addition of any chlorine. Does anyone know how the chemistry of the ionizer works, ie how does it convert simple NaCl to hypochlorite? Is the chlorine level in this type of pool lower than a chlorinated pool? Is the level of Chlorine gas lower?

5min Time Lapse of In ground pool install

I’ve wanted a pool forever and considered selling or renting my home to get a home with a pool. I know they can be a pain and expense in terms of upkeep, so please don’t respond telling me what a waste it is. I’ve decided to keep my home and add a pool. Here are my options.

(1) Refinance my current mortgage ($130k) to include the cost of the pool ($30k). The pool would be amortized over 30 yrs…so the jump in payment would only be a couple hunded a month. I’d have to pay fees with the refinance, and my rate would go up about half a point from where it is now.

(2) Do a home equity line of credit for the cost of the pool. I’d only pay interest and a small portion of the balance but would pay off the pool when the house is sold (though there’s no plan to do so for the next 5+ yrs). Interest would be deductible.

(3) Pay for it out of savings and be done with it. This seems cleanest, but there’s no tax deduction and I deplete part of my rainy day fund. Suggestions?
Levendis: As to rates, my current mortgage is at $130k at 5.5 percent. If I refinance I’d be looking at 15 years I might be able to get 6, or slightly higher, 30 years would probably be 6.5. Home’s value is at $260 plus or minus. I recognize I won’t get $30k improvement in equity by adding the pool. The HELOC I have now for $10k is inching up to 9%…however, I’ve received offers of a standard Home Equity Loan for $75k at $6.99 fixed (30 year). As to savings…I have about 90k with about 75 of that in CDs.

If you are installing a new in-ground swimming pool or above ground pool on your property, you should look into other insurance options besides the typical coverage given on your homeowners insurance. In the event of an accident in or around your swimming pool, many times homeowners insurance is not alone sufficient to protect you and your assets in the event of a lawsuit. If you are already a pool owner or are considering a new swimming pool, you should look at more comprehensive insurance options.

If you are not properly insured and someone gets hurt around your swimming pool, it can lead to trouble. Even if your pool will only be used by family and friends, anyone – and sometimes especially family and friends – may turn on you and consider a law suit as a means to recover damages from a loss. Getting sued by people close to you is usually not out of spite or hatred but many times out of necessity. Medical expenses are high and can mount up to a point that there is no way out of the insurmountable debt. Many times, if a serious injury has occurred, people can’t afford not to sue. The bad news for pool owners is if the accident happens around your swimming pool, you are ultimately at fault regardless of the atmosphere the accident took place.

If someone does get hurt, don’t be alarmed if you get sued. It happens and accidents happen when you least expect it. Even if you monitor your swimming pool 24/7, accidents happen in the blink of an eye. Pools are hazardous areas and accidents usually occur by diving and running around the slippery surface surrounding the pool. But, don’t let this turn you off from pool ownership. Accidents can happen anywhere – in your yard, in your home, on your sidewalk – anywhere. Swimming pools have statistically higher accident rates so it is a good idea to opt for extra insurance and keep you completely covered.

Liability insurance is the best insurance to get for swimming pool owners. Try to get the highest coverage possible in your price limit such as 300k – 600k. An umbrella plan is also a great option because it is a separate liability policy in addition to homeowner coverage. The umbrella plan kicks in extra coverage when your homeowner’s insurance plan drops off ensuring complete coverage in any situation.

Cost wise, the extra insurance coverage is not bad. The umbrella coverage or stand alone liability plans are usually an extra 30 to 40 dollars extra a month. To offset the costs even further, consider buying all of your plans from the same insurance provider. Insurance companies usually offer bulk discounts if you purchase all insurance from them (i.e. life, auto, home, liability). As pool owners, extra insurance is not a necessity but it is highly recommended. It is better to be safe than sorry.

Nicolas DAlleva is the quality insurance coordinator for Poseidon Pools. Poseidon swimming pools is an inground gunite swimming pool contractor and master swimming pool builder in Pennsylvania, Maryland, New Jersey, New York, and Delaware. We build custom inground pools, custom spas, and commercial pools as well as landscaping, patios, and pool houses.