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Home Insurance: What Sends Rates Soaring

By Lewis Braham - 2012-02-02T23:15:56Z

Photograph by Ric Frazier/

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Guarding the Pool

Drowning is the leading cause of fatal injury for children ages 1 to 4. Insurers will cover homes with pools -- but often at higher rates and with limited liability on their end. They will want to make sure the pool complies with local regulations and safety standards. "We require fences for homeowners with pools," says Holly Anderson, a State Farm spokesperson. The CDC estimates that more than half of drownings among young children could be prevented by four-sided fencing that completely separates the pool from house and yard. Homeowners can be liable for injuries that occur to strangers who use their pool without their permission.