Share:

While features like swimming pools and trampolines can be fun for you, your children, and their neighborhood friends, they can also create potentially dangerous situations. Without the proper homeowners insurance policy, these features—called attractive nuisances—can leave you legally vulnerable. Discussing these nuisances with your insurance provider will ensure you have the necessary coverage for your property.

Examples of Attractive Nuisances

Any hazardous feature that attracts younger visitors to your property qualifies as an attractive nuisance. Pools, fountains, wells, playground sets, treehouses, and trampolines can be appealing to children but may also cause great harm when left unsupervised. Other examples of attractive nuisances include weaponry, broken appliances and vehicles, power tools, construction materials, and projects like home repairs and additions.

How Policies Are Affected

homeowners insuranceHaving just one of these features is a significant liability risk. Insurance companies often charge a higher premium to property owners with attractive nuisances because they may have to pay for legal fees and settlements if something happens.

Homeowners are also liable for the accident if they don’t take the necessary steps to protect younger guests, even if the child was trespassing on your property.

How to Keep Your Rates Low

The best way to keep your homeowners insurance premiums low is by taking extra precautions to protect children around attractive nuisances. Installing fences around pools and trampolines will deter kids from wandering onto your property, keeping them safe.

Checking for loose nails and boards in wood structures like decks and treehouses can also prevent possible injury. Always secure dangerous objects like guns, knives, and power tools behind lock and key. Your agent may also recommend purchasing additional liability insurance to cover any medical and legal bills.

 

If you’re looking to protect your family and belongings, contact Ebert Agency in Foley, AL. Founded in 1928, the family-owned agency works with various providers to protect individuals and businesses, offering coverage like renters and homeowners insurance, comprehensive personal liability umbrellas, and workers compensation. To request a quote, call (251) 943-2281 or visit their website

tracking