Pools are great and you use them a lot when you first get one but over the years you use them less.
You are better off buying a home with a existing pool then putting one in to the tune of $30k-$50k for a nice size.
Price is usually determined by the linear foot around the circumference.
I have heard that one can spend $50k+ on a tropical oasis but usually only realize a $10k bump on the appraisal when its time to sell the home.
On a prospective purchase I would ask how many gallons the pool is and what kind of filtration it has. When was the pool installed? Did they use a pool service?
Something else to consider is you want the pool on the south or west side of the house to get the most sun exposure.
I had a vacation home in Lake Havasu City with a 15,000 gallon play pool with diatemacious earth filtration, no heat using chlorine.
In the winter when I didnt use it I had to run the pump 4 hours a day to cycle and filter the water. During the summer time I was told to run the pump 6-8 hours a day.
I took my water in regularly for testing to figure out what it needed.
After a few years I had to drain the pool when the total dissolved solids reached a certain point which renders the chemicals inneffective.
When I was there on the weekends I would brush/descale the water line to remove lime scale....weekly if possible.
I had a self cleaning system with the pop-up heads to clean the bottom but every month or so I would brush the bottom toward the drain.
The DE filter needs to be backflushed every few months and every couple of years the filter media replaced.
Chemicals can get pricey to get it going at first but once you get it established its less.
My electric bills were probably ~$80-100 more a month on average because of the pool without any heating and I didnt have a hot tub either.
Like someone mentioned, leaves and dirt blow into the pool constantly. I ended up removing some nearby trees to reduce the leaves in the pool.
I had a bubble pack type cover that helped a little. We covered the pool when not in use. Helps to keep it warm also.
Another thing I didnt like is when critters would fall in a drown...retrieving them was nasty.
Also small children I always worry about around the pool if it is not secured with a perimeter fence.
I think the homeowners insurance is more due to the liability.
I have heard the saline pools are less chemically intensive and lower maintenance.
I think the next house I buy will have a saline pool with solar heating to enjoy it more in the winter.
There is something to be said about floating on a raft with a cold beverage in your own pool at the end of the day to reduce the work stress!
UPDATE:
Here are some good links for Pros & Cons: Funny one article says pool homes increase your number of potential buyers, and one says no...I tend to think you reduce your overall total of potential buyers with a pool.
http://homebuying.about.com/od/buyingahome/qt/071707-SwimPool.htm
http://freshome.com/2010/07/05/the-pros-and-cons-owning-a-swimming-pool-home/
http://www.excelinspects.com/excel/swimming-pool-pros-and-cons.html