Homeowners Insurance: Child’s Play can be a Liability

Homeowners Insurance and Playtime

Boy riding his bike.

With summer in full swing the neighborhood streets are filled with children playing. As you send your children out to play be aware of the liability they can present.

If your child somehow causes damage to your neighbor’s property, your homeowners insurance will cover it if your child is legally liable for the damages. If someone is injured on you property your liability coverage or a person umbrella policy should cover the claim.

It’s a good idea to know when other children are playing in your yard and to know where your children are playing if not in your own yard. If a child is injured while playing on your property you may be liable for medical and other expenses. Make sure you have taken all the necessary steps to keep any visitors to your property safe and protect yourself financially with the proper insurance coverage or a personal umbrella policy.

Scooters and battery powered toy vehicles are fun to play with but may not be covered under your homeowner’s policy if someone becomes injured or causes property damage when using them. Check with your insurance agent to ensure adequate coverage for these items.

Inform your agent of any changes to your property. Trampolines and swimming pools may be considered an “attractive nuisance” – a legal principle that makes a homeowner responsible if a child trespasses onto your property and injured on a trampoline or swimming pool. Not all insurance companies will provide you with liability coverage for these items. Protect yourself by adding a fence around your yard with a self-closing, latching gate. Pool alarms provide extra security and protect you from people wanting to “take a dip” without permission.

Even though you’ve provided extra protection, nothing can replace your attentive supervision when children are playing in the yard.

From all of us at Insurance Advisors, Inc. be safe and enjoy your fun in the sun!