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Installing a swimming pool or trampoline at your home might seem like a great way to increase its value. However, swimming pools and other home features are known as attractive nuisances in the insurance industry. Attractive nuisances can actually cause your home insurance rates to rise unless you take the right steps to reduce liability. Below, learn what attractive nuisances are and how they impact your insurance. 

What Are Some Examples of Attractive Nuisances?

An attractive nuisance is anything that could potentially compel a child or teen to come onto your property. Even if a child is on your property without permission, you could still be considered liable for any subsequent injuries. This is because children are under the age of consent, which means they can’t be legally considered negligent. 

Swimming pools are one of the biggest issues for homeowners when it comes to liability. Pools are extremely attractive to children and also extremely dangerous when the right safety measures aren’t taken.

Playground equipment, such as a swing set or jungle gym, can also be quite alluring to kids, as can trampolines. Even something like construction materials for a home renovation or an old junk car can be a kid-magnet and may lead to a serious injury as a result. 

How Can I Decrease Liability Issues at My Home?

home insuranceThe best way to prevent liability issues is to safeguard your property and any features on it. All swimming pools should be surrounded by a fence with a locking gate. When the pool is not in use, it should be covered, with any ladders removed to prevent access. You can also install alarms around the pool to signal you if someone is trespassing. 
 
Make sure all playground equipment is properly maintained to prevent injuries during use. If you have a trampoline on your property, consider breaking it down and storing it away when not in use. With construction supplies and equipment, make sure the items are cleaned up and safely stored while work is ongoing. You should ensure that your home insurance policy is updated to cover your attractive nuisances the best it can. 
 
 
If you have questions about liability and a specific home feature, your home insurance company can help you come up with workable solutions. In Bethlehem, PA, Kleppinger Insurance, LLC prides itself on offering clear answers to common insurance questions so clients can make the best decision for their needs. Because they’re an independent agency, they can shop around for the best policy at the most affordable price. Visit the website today to get started on your quote. You can also call (484) 357-1485 for more information. 
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