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Firstly, go into the skylab and click on cloud cover.
Set everything to 0, this'll let more sunlight get into your underwater scene.
Go back to the create window and insert water and ground planes. Align them up like in the image above. Select the water plane and press M on the side menu, this'll bring up the Materials lab window,
then choose which texture you want for the water plane, I chose backyard pool because it's the most transparent. Then click on the ground plane, and then click on the M, this'll bring up the Materials lab. Choose what you want for the texture
I chose mediterranian hills.
Go into the skylab and click on atmosphere.