Owner Occupied with In-Ground Pool

[Mark Smith]

I'm looking at a two unit house that I will owner occupy.  The house has an in-ground pool in the backyard.  The yard is totally fenced, I know insurance requires that, but I'm wondering how others have handled having a pool with tenants.  Obviously insurance will be higher, but has anyone ever told the tenants they are not allowed to use the pool/back yard?  The back yard is small, and the pool area takes up about half of it.  Would it be unreasonable to deny tenants access to the back yard?  I'm sure fire code dictates that there needs to be at least two entrances/exits, and one of their exits would be into the back yard.  Maybe the tenants seem like responsible adults and they could use the pool, but then what if they have a party and one of their guests gets hurt?  Seems like I'd be opening myself up to a lot of liability.  I'm just looking for thoughts on this situation so I know what to expect.  Thanks!