Spring Liability Risks to Avoid: Homeowners Beware

April 18, 2020

Blog

Springtime is among us. What’s better than going in your backyard and enjoying the outdoors without having to travel far from home? Better yet, your family can enjoy fun activities. The kids can jump on the trampoline with friends, have water wars, hop in the swimming pool, and more.

Harmless, right? Not so much. What happens if one child visiting injures themselves on the trampoline? How about if they accidentally slip and tear a muscle near the slipper swimming pool? Not ideal scenarios to think about, we understand, but these accidents can cost you a lot of money.

As a homeowner, you’re liable for anything that occurs on your property.

 

Swimming Pools

Accidental drownings can happen anywhere a swimming pool is present. Insurance agencies know this since it poses as a huge risk to them. It’s even riskier if you have children or pets in your home. A way to avoid these tragedies is to build a fence or gate around the pool. Self-closing gates are highly recommended to ensure top-notch safety.

Not sure of what to install? There’s plenty of consultants who can help with this. You can even ask your insurance agent!

 

Trampolines

A surefire way to prevent falls is to install a net around the perimeter of the trampoline. Rules should also be implemented to prevent injury from crawling under the trampoline while in use, and too many children using it at once.

Trampolines have hooks, springs, and a frame that should have protective padding over it to avoid accidental cuts.

 

How Is Your Insurance Affected?

Did you know that some insurance carriers will raise your premium or flat out deny your coverage if you own a trampoline? No worries, most will simply require safety features to be implemented to keep rates low. Negligence to disclose the addition of a pool or trampoline can cause claims to be denied. Basically, it’s in your best interest to disclose this information to your insurance provider and install safety features immediately.

Being a homeowner comes with numerous rewards and risk. One of your top priorities should comprise of protecting anyone who steps foot on your property, including your family who already lives on the property.

 

Bob Oetting & Associates is committed to helping families stay safe.


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