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Adding a swimming pool to your property can affect your homeowner's insurance costs for a few reasons. Obviously safety has to be taken into account. If neighbors, family and friends, children and others are potentially going to be using the pool, this will need to be factored into liability coverage.
In-ground pools can also add to your property value. Damage done to the pool or surrounding area from an earthquake or other disaster could prove to be costly. Let your insurance provider know when you are planning to add a pool to your property so you can make sure that you are covered in case anything unfortunate happens during landscaping and installation, and that you have all the proper permits and are adhering to appropriate ordinances.
If the addition of a pool is going to increase the replacement value of your home, you want that to be documented and have your policy updated with the correct information.