Homeowners know they need homeowner insurance, and required if you finance your home. What homeowners may not realize is homeowner policies vary quite a bit. Every homeowner policy covers different things, so you want to check your homeowner insurance coverage when adding things like a trampoline, for more backyard fun.
Most people realize a swimming pool in the backyard requires special precautions like fencing. But there are other backyard fun features you might consider that also need extra safety precautions. Here are backyard features worth you should do your homework on, for safety guidelines and insurance coverage.
Swimming Pool Safety a Priority with Backyard Fun
Most people realize a swimming pool in the backyard requires special precautions like fencing. But there are other backyard fun features you might consider that also need extra safety precautions. Here are backyard features worth you should do your homework on, for safety guidelines and insurance coverage.
- Swimming pools are the most restrictive. Check local zoning laws and talk to your insurance agent to make sure you cover all their requirements.
- Trampolines surprisingly, send over 80,000 people to emergency rooms each year. Here are some excellent guidelines for how to make your trampoline safer, along with an explanation of A Homeowner’s Injury Liability for a Trampoline Accident.
- Tree houses are also considered a high-risk item and may be excluded from your homeowner’s insurance policy. So if you’re planning one, take a few minutes to read Allstate.com’s article, Building a Safe Tree House.
- Firepits need to follow any local building codes. They may be covered by your homeowners insurance but you’ll want to make sure as they pose a structural fire hazard and/or may cause smoke damage when used improperly. For firepit safety tips, check out this infographic from Ameriprise.com.
- Swing sets have gotten bigger and fairly sophisticated over the years. They can provide hours of backyard fun for your children, and so you want to consider safety when installing them. (Read: Tips to Installing a Swing Set). And your children don’t know what
Ideas for Backyard Fun on a Budget
As you plan your backyard, remember that it’s not how much money you spend but rather creating outdoor space for family members to relax and have fun. Think about your own childhood and your favorite outdoor activity. My favorites were tetherball and stick ball in the street, with kids from the neighborhood.
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