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Home Insurance: What Sends Rates Soaring

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

Photograph by Jesco Tscholitsch/Corbis

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Tree houses

According to the National Safety Council, falls account for 26 percent of all accidental injuries and deaths in the home. Every day approximately 8,000 children are treated in U.S. emergency rooms for fall-related injuries. This adds up to almost 2.8 million children each year. Tree houses can be primary culprits because of their height. Some insurers have tree-house exclusion clauses or reject applicants outright if they consider a tree house too high and poorly maintained. Expect to pay more to cover one for any liabilities.