Count me in the minority that think in Florida it absolutely adds value. At least in the southern, newer areas it does. It seems houses with pools are getting about 200K more and the pools are generally in the 150-175K range.
I am building a pool now and it was mandatory for me when I bought here. I much prefer the convenience and lack of silly rules at my home. Pool maintenance is super easy these days with the salt water systems. I've never seen any different in insurance premiums. My pool in Massachusetts is probably used only 20-30 actual days per year and I still wouldn't go without a pool.
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