NEWPORT BEACH, Calif. - CuisineWire -- For all 16 things visit the link at the end.

Swimming Pool
A swimming pool can increase home value, especially if it's a nice in-ground pool with temperature controls. However, swimming pools in the eyes of insurance underwriters are what's called an "attractive nuisance": They attract trespassers, namely children who may get into the pool while you're away from home or are sleeping. Not only is there a high risk of drowning if that happens, but the homeowner is also the one held liable for injuries or death, even if the pool was used without permission. You can fence it up very securely for a price break or get rid of the swimming pool altogether for an even steeper reduction. It'll cost you anywhere from $1,500 to $10,000 to get a pool fence, depending on how large the pool is and the type of fencing you buy. A gate costs about $150 per opening. [8][9]

Trampoline
Trampolines are another attractive nuisance: Kids love them and will climb aboard without permission if they can see the trampoline from street view. Just as with a swimming pool, a homeowner is often held liable for injuries and death, even if the people using the trampoline did so by trespassing. Homeowners insurance companies will consider protective fencing, but getting rid of the trampoline will save you the most in home insurance premiums. It should cost about $2,300 to $3,600, depending on linear footage equalling 100 and 150 feet. A gate costs $150 per opening.[9]

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Hot Tub
A hot tub is relaxing until you look at how much more you're paying for homeowners insurance because of it. Although shallow, hot tubs present the risk of drowning. Like swimming pools and trampolines, they are attractive nuisances that are also the target of trespassers. You can lower the rate by securing the hot tub so it cannot be accessed without a keyed fence or you can lower your premiums a lot by getting rid of the tub altogether. [5] For a 100 to 300 linear foot fence, it will cost roughly $2,300-$6,900. Each gate costs $150 per opening. [9]

Visit https://smartfinancial.com/lower-home-insurance-bills for the full list of things that are increasing your home insurance premiums.