Is Your Yard A Tempting Oasis?

May 25, 2011 at 9:57 AM | Posted in Home, Renters | Leave a comment
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We are all trying to create the perfect get-a-way right in our own backyards. The financial adjustments we make today include less travel and more “stay-cations,” and our home and yard improvements illustrate that well. Whether you rent or own, if you have made certain enhancements to your home and yard, you’ll want to consider the following:

  • Pets, trampolines, pools, and ponds could invite trouble without you even knowing it, especially if you have unexpected visitors in your yard while you are at work or on vacation. Should someone come into your yard and get injured, your policy will respond even if they were trespassing.
  • Pools – Insurance companies require locking access to entrances, ladders, and fences. Most insurance companies will not allow a diving board or slide, as back yard pools usually are not deep enough to prevent bodily injury. Even a kiddie pool could be a risk – make sure it is drained when not in use. Since pools are exposed to the elements, especially weight of ice and snow, they are excluded from physical damage coverage except if an object falls on it.
  • Pets – Whether you have bunnies, dogs, or chickens, kids (young and old) are attracted to animals. Make sure your animals are secure and not left unattended.
  • Trampolines – There are very few companies that will cover a home with a trampoline. If there is coverage provided you will be required to have safety netting around it.
  • Tree houses – They are a lot of fun! Take extra care to be sure no one can get into your tree house while you are not there.

We encourage you to evaluate all potential exposures you may have in and around your yard, and ask that you call us at 888-850-9400 to make certain you are properly covered.

Policy Note: Make sure you have at least $500,000 liability on your homeowner, condo, or tenant policy. For even better coverage, consider purchasing an inexpensive excess liability policy which will cover you for worldwide liability exposure in increments of $1,000,000.

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