Summer is here with rising temperatures and for many homeowners that means it's pool time. Perhaps you've decided to make the financial commitment to buy a pool. While a swimming pool can provide lots of fun for your family and guests, and can increase the value of your home, it can also bring on higher homeowner's insurance rates. Before you dive in and add a pool to your property or buy a home that already has one, here are three important things to keep in mind: You may need to increase your insurance coverage A pool increases your exposure to…