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Having a pool or trampoline in your backyard may lead to many fun backyard activities. Pools and trampolines can cause some issues when it comes time to find the best homeowners insurance policy. Although it is not impossible to find companies that will insure homes with pools and trampolines, there may be a few roadblocks. Making sure you have the proper backyard coverage can help save you hundreds or thousands of dollars in the unfortunate event of an accident.
Typical homeowners insurance policies cover personal liability, such as if a person gets injured while enjoying your pool, but it does not usually provide coverage if any damage is done to your pool. Most damage to in-ground pools consists of cracking of the concrete due to any movements in the ground, which are not covered by standard homeowners insurance policies. Typical personal liability insurance will cover any medical costs that are associated with an injury sustained at your pool. It will also cover the cost of defense if you are sued following an injury. Most insurance companies have special rules and guidelines about insuring a home with a pool; such as there must be a fence surrounding the pool. Make sure to check with your insurance company to make sure you have the proper pool coverage for your needs.
From the perspective of an insurance company, trampolines are an “attractive nuisance,” meaning that people always want to use them, even if they know the dangers. That is why many insurance companies have trampoline exclusions. Many homeowners insurance agency will not insure a home if it includes a trampoline. Make sure to check with your insurance companies before buying a home with a trampoline.
To find the most comprehensive homeowners insurance policy, contact the insurance professionals at All Nevada Insurance.
