If you take a look around your yard, you probably have one or more attractive nuisances (and no, we’re not talking about the neighbor’s kids). In insurance terms, an attractive nuisance is a part of a property that poses a danger while being attractive to kids. Though every company’s definition is a little different, here are three things that are on almost every insurer’s list.
Trampolines and Swimming Pools
Though they provide hours of fun, pools and trampolines are regarded as attractive nuisances that will undoubtedly increase the price paid for homeowner’s insurance. Drowning is a common cause of injury and death among children and trampolines cause thousands of emergency room visits each year. Liability also increases premiums. Anyone hurt on your trampoline or in your pool can sue you, even if they’re trespassing. Though you may not be able to avoid a rate increase, home insurance companies in Jacksonville FL may suggest putting up fences, signage, and gate locks.
Abandoned Vehicles
Even if you’re planning to restore it someday, your home insurance company may regard that old car as an attractive nuisance. Curious kids are attracted to cars and it doesn’t take much for someone to get hurt or locked inside. To minimize the risk, keep the windows closed and the trunk and doors locked.
Fountains
These water features make for a grand entrance, but they may also bring higher insurance premiums. Flowing water attracts kids, and there’s no way around it. Though it’s hard to put a fence around a fountain, home insurance companies Jacksonville FL may suggest putting up signs warning visitors not to swim there.
Know More About Attractive Nuisances
Higher insurance premiums have a range of causes. Certain exotic pets and dog breeds, as well as the type of roof you have, may affect what you pay for coverage. When considering a new home, learn what your state considers an attractive nuisance before discussing the purchase with your real estate and insurance agents.
