Summer is the perfect time to spend time outside. Memorial Day and the 4th of July are huge celebrations for Americans. They are usually spent outside grilling and playing. Are you protected by your insurance company if an accident occurs? Let’s take a look at some fun, but potentially risky toys.
Pools, trampolines, and playground equipment are staples in many backyards. During the summer, kids will spend a majority of their time playing in or on them. They may even have friends over to enjoy them. Pools, trampolines, and playgrounds are fun, but can be very dangerous. One missed landing on a trampoline can result in broken bones. One slip off the monkey bars can cause a broken arm. A mishap in a pool can be deadly. These accidents are common. What happens if this happens in your backyard? You may be surprised.
Swimming Pool Insurance Coverage
Let’s start with toughest one, the pool. Pools can be a nightmare. Besides the risk of injury (check out this Coast2Coast Toronto CPR first aid course), the risk to your yard and home are another aspect that make owning a pool difficult. If your pool gets a leak, it can ruin your yard. If it leaks to your home it can cause flooding in your basement, damage to your foundation, and can damage drywall. If your pool is located near your neighbors house and their home is damaged from your leaky pool, it can create a huge problem.
So, the big question if the pool is covered or not depends on your insurance company and the coverage. Many companies cover pools, but the type of pool, either above ground or in ground, changes the type of coverage. Pools are called an “attractive nuisance”. You are responsible for anyone who enters your pool even if you DID NOT GIVE PERMISSION. To avoid injury put a locked gate around your pool. Before installing a pool or buying a home with a pool, speak to your insurance agent about coverage. Adding a pool to your home can increase your policy.
Trampoline Insurance Coverage
A trampoline is also an “attractive nuisance”. People will flock to a trampoline. Trampoline injuries are one of the most common injuries in children. You are responsible for injuries, like pools, even if you did not give permission for a jumper to be on them. Unfortunately as well, sometimes if the trampoline isn’t covered, have the correct equipment or if the child isn’t being supervised, injuries can even lead to more fatal consequences such as trampoline deaths. This can be a devastating time, but there are lawyers out their that can help you if this awful situation were to occur. Another interesting aspect of a trampoline is that they can fly. During storms, trampolines that aren’t securely tied down are know leave the backyard. This can cause damage to neighbors homes, cars, landscaping and fences. Before your assemble one in your backyard, learn about the coverage you need and can have. You do not want to be on the hook for trampoline damage. Many policies DO NOT cover trampolines.
Playground Equipment Insurance Coverage
Playground equipment are usually much less risky to insurance companies. Most companies offer coverage for these without a huge change in policy.The sturdy wooden sets are heavy and don’t fly, as well as, a trampoline will, so damage is less likely. There isn’t water for someone to drown in and people aren’t typically jumping off them. Most sets have a slide and swings. Even though an injury can happen, it is typically less severe. Always check your policy before adding a playground to your yard.
Don’t Risk It, Call Your Agent!
Before you have family and friends over to enjoy your outdoor toys, call your insurance agent to discuss coverage and what is and isn’t covered. You don’t want your fun toys to ruin you financially if an accident occurs.