While they may be a hassle, installing simple safety precautions can reduce almost all of the extra premium costs associated with any type of pool.  These cost-saving safety features include: A perimeter fence with a gate  A pool cover Proper area lighting A non-slip surface Safety railing Proper signage For some homeowners, a gate and fence or screen enclosure aren’t visually appealing, but there are ways to get creative. The fence doesn’t have to be tall, and using wood or iron railings can class up the look of an average metal fence line. The extra work of installing a fence can deter young kids or other individuals who should not be near the pool and could even save a life.  It’s important to note that your homeowners insurance policy will not necessarily cover the fence or pool cage.  If keeping your premiums low is essential, you’ll want to look into safety precautions you can take during installation!  Pool contractors will be familiar with local building codes and have valuable experience to apply to your insurance premium concerns.  Likely they will have been asked about installing safety features before and will be able to guide you in the direction of a few products or materials which may even be recognized as safe.