Are You Covered This Summer? Pool, Trampoline & Backyard Liability

Summer is just around the corner, and many homeowners are either adding exciting features to their backyards or getting them ready for a summer full of fun.

While additions like pools, playgrounds, trampolines, and more can create memorable experiences, they can also increase your liability exposure. Understanding how homeowners’ liability works, what “attractive nuisance” means, and the policy requirements for coverage can help you enjoy your yard without unnecessary risk.

Below are a few key steps you can take to ensure you’re prepared for the liability risks associated with common backyard toys.

1. Understand What “Attractive Nuisance” Means

An attractive nuisance is a condition or object that may draw children onto your property and that could pose a risk, such as a pool, trampoline, or play structure.

This legal concept emphasizes the importance of fencing, locked gates, and supervision to prevent accidents.

If you fail to take reasonable care to eliminate hazardous risks on your property, you may be liable for injuries to children who trespass, since they’re unable to assess the potential danger.

2. Common Policy Requirements and Exclusions

Certain features may require special conditions to maintain coverage. For example, pools often need barriers or gates, trampolines may require enclosures, and playgrounds should be installed per manufacturer guidelines.

Some policies exclude liability for certain backyard toys, like trampolines, so reviewing your policy with an agent ensures you are not caught off guard by any potential gaps in your coverage.

3. Proactively Protect Yourself in the Event of a Claim

Even if you have robust liability coverage, it is still possible to find yourself in the midst of an insurance claim related to a backyard feature. To help proactively prepare for something like this, consider adding fencing, self-closing gates, proper signage, and protective equipment for trampolines, pools, and play areas. Additionally, it is wise to regularly inspect equipment for wear and tear.

Furthermore, it’s a good idea to document your safety measures by keeping photos, maintenance logs, and signage checks, since this can help demonstrate proactive management in the event of a claim.

4. Consider These Checklist Items

Before getting your backyard prepared for summer, consider completing the following checklist items:

• Install required barriers, gates, or enclosures around anything considered an “attractive nuisance.”
• Conduct routine safety inspections and maintenance on backyard toys.
• Keep documentation of safety measures and equipment upkeep.
• Schedule a call with us to review your policy limits, check on any policy exclusions, and identify any coverage gaps.

Summer fun doesn’t have to come with extra risk. We can help you review your homeowners’ liability limits, discuss additional coverage options, and make sure required safety measures are in place.