Pool covers should be included in the list of essential pool accessories. They guard against contamination, heat loss and accidental falls. With more people being able to afford pools, there's been an increase in the number of pool cover types so making the right choice when purchasing one is important.

There are four main types of covers, each differing in cost and functionality. Here's a quick recap of what they offer:

Mesh: Mesh covers are inexpensive but effective in keeping debris away. Stronger varieties also prevent falls which is important if children use the pool and pets are around. Some are safety nets but most aren't and consumers can check which is which by looking to see if it meets international safety standards.

Solar: Solar covers retain heat in a pool. If you live in a place where the weather gets chilly by late afternoon, these are the ones for you. However, know that they aren't safety covers so if this factor is important, you'll have to choose another type.

Solid: Solid covers also retain heat but have the added feature of being able to keep debris away. They're held down by rope, water tubes or anchors. They aren't safety covers.

Safety: Safety covers are secured to the sides of a pool. Aside from keeping out debris, they prevent falls and are the best choice you will find. If installed according to instructions, they can even handle the weight of several adults.

What pool cover do you want?

Before purchasing any one type, ask yourself what the cover should achieve. Safety is important but for some, guarding against contamination is a higher priority. The opposite holds true for others. If you can't find a middle ground, go with safety covers as they meet both requirements. They're more expensive but quality covers more than give their money's worth.

Color and size

There are many color options available but you may be able to choose only specific shades. Some states have regulations on what size and color pool covers should be so rather than realizing you've wasted good money, check with local authorities and find out the specifics.

Warranty

Most pool covers have a two-year warranty and the more expensive ones are covered longer. Buy from a well-known manufacturer and check what the warranty covers. Quality products are quite expensive and you should look to get your money's worth.

Insulation

Winters are generally chilly even if not icy. This means turning on the heater to get water to a comfortable temperature. You can save energy and money by making sure the cover you purchase is able to insulate the pool. Supply stores usually carry specialized covers. If you can afford it, you can purchase two covers, one to be used in winter and another for warmer weather.

Don't sacrifice quality for cheap cost. Fatal accidents can occur during falls and contamination can affect your health. If you can't afford a good cover just yet, wait till you have enough to invest in one. Compare different covers and manufacturers. Along with reputed brands come dubious makers and with so many people having pools constructed its tedious separating the good from the bad. Check the internet for a list of reputable pool cover companies and see what users have to say. Speak with friends who've recently purchased covers and ask for a recommendation.