An attractive nuisance is a home insurance term that refers to a tempting but potentially hazardous feature on your property that neighborhood children may flock to. These features increase your liability risk, since it’s possible a child will be injured while playing. With the right information, it’s possible to mitigate these risks and keep kids safe where you live. 

Types of Attractive Nuisances

There are many different types of attractive nuisances. Swimming pools are one example of a home feature that draws kids. Pools come with a risk of drowning, but kids may also be injured by falls or other accidents. 

Trampolines are another type of attractive nuisance, as are play sets, tree houses, tire swings, and even active construction sites. When signing up for home insurance, tell your agent if you have any of these features on the property. Premiums are calculated using various factors, including exterior features. 

How to Decrease Risk

Many homeowners believe they’re not responsible for injuries incurred by kids who were on their property unlawfully. However, this isn’t the case. As the homeowner, you’re expected to make your property safe for all, and as a result, you can be held liable even if the person injured was trespassing. 

When it comes to swimming pools, proper fencing is a must. Fences should be high enough to deter children and also feature gates with locking mechanisms. You can further mitigate risk by installing a sensor alarm, which will alert you any time someone is on the property. With a trampoline, safety netting is imperative to keep kids from falling off. If you have a playground set, make sure that it’s properly maintained and safe for use. 

Western States Insurance Group makes sense of complex home insurance concepts to ensure their clients make the best decisions. As an independent insurance agency, they leverage their relationships with multiple carriers to get you the best possible rate. They also offer auto, health, life, and business coverage to clients in Lovington, Hobbs, Lea County and surrounding areas. Schedule a home insurance consultation today by calling (575) 396-1318. You can also see a complete listing of services on their website.