Children have a natural curiosity that causes them to ask questions and try new things. Unfortunately, this curiosity can occasionally cause them to put themselves in danger, as they become enamored by hazardous items that look intriguing. These objects are known as attractive nuisances, and understanding how they relate to liability insurance can help homeowners protect themselves and the children around them.

What Is an Attractive Nuisance?

An attractive nuisance is anything that'll likely grab the attention of a child but could be dangerous if they approach it. Some examples include railroads, construction sites, large holes and caves, power lines, farm equipment, garbage piles, and abandoned cars. While you probably don't have any of those on your property, you may have a more common attractive nuisance like a swimming pool or playground equipment.

How Can a Homeowner Be Held Responsible?

Even if you have homeowner's insurance, you may be held responsible if a child trespasses onto your property and injures themselves. While trespassing is against the law, young children can't be legally held accountable for negligence. Therefore, the homeowner can be found responsible if an unguarded hazard attracts a child and causes injury or death.

How Can You Prevent an Accident?

While you should speak with your insurance agent about your coverage, there are a few steps you can take to prevent an accident from occurring first. Something as simple as building a fence or installing a locked gate can keep kids away from construction sites, bodies of water, and other dangerous hazards. By making these reasonable accommodations, you may avoid being held accountable, even if there is an accident. 

If you'd like an expert to look into your homeowners insurance policy for free, contact Michael E Glick Insurance in Boerne, TX. These licensed agents can help protect you from accidents caused by attractive nuisances. Additionally, they can help you choose an insurance policy if you're currently uninsured. Whether you need home, life, auto, or any other type of insurance, they can help protect you from the unexpected hazards of life. Get a free quote online or contact them at (830) 816-9488.