Ah, summer. Time for barbeques, picnics, and fun by the pool—unless you work in insurance, where the mere mention of an insured with a swimming pool sends underwriters running for cover.
For an underwriter, summer is an attractive nuisance nightmare. People are outside, and that means swimming pools, swing sets, and the ever-dreaded trampoline. Even the American Academy of Pediatrics has come out against trampolines as dangerous objects both at home and in playgrounds, and many carriers will not write a dwelling that has one, even if it has the side netting.
Swimming pools are another well-known attractive nuisance, and if a carrier is willing to write one there are usually many required specifications, such as the pool being surrounded by a locking fence of a certain height, ladders being kept away from the pool unless in use, and other such requirements.
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