Liability is a big concern for homeowners insurance. If someone is injured on your property, your provider might have to shell out big bucks to satisfy the claim. One aspect of liability that many homeowners don’t know about is attractive nuisances. Below, learn what parts of your home could be deemed attractive nuisances and how they’ll impact your home insurance rates.

What Are Common Attractive Nuisances?

Attractive nuisances are any property features that might lure people onto your property, including swimming pools, playground equipment, ponds, trampolines, and even construction sites. Obviously, you don’t want to pour concrete in your pool, trash your trampoline, or fill in your pond. However, these property features can drive up your insurance rates if you don’t know what steps to take.  

Why Do They Impact Homeowners Insurance?

Because attractive nuisances increase the liability risk of your property, you’ll pay more for home insurance. If a child trespasses onto your property to swim or jump on your trampoline and gets injured, you can be held liable. Your insurance will bear the brunt of the resulting lawsuits and settlements, so you’ll end up paying higher premiums as a precaution.

How Can You Keep Your Premiums Low?

The best way to combat higher premiums for an attractive nuisance short of removing the nuisance altogether is mitigating the risk of injury. Pools should be fenced in, and the gate should have a childproof latch. Trampolines should always have safety nets, and playground equipment should be installed over a cushioning substance like mulch.

For a full list of attractive nuisances and ways to reduce their impact on your home insurance payments, contact an agent at Accredited Insurance Group, Inc. in Omaha, NE. For over three decades, this family-owned and -operated independent agency has been helping area residents find great rates on auto, life, commercial, and home insurance. Learn more about their services on their website, or call (402) 334-1780 to speak with one of their agents.