Attractive Nuisances In Insurance

April 08, 2024

As a homeowner, renter, or business owner, you have a legal obligation to either make these attractions inaccessible to curious children or eliminate the danger entirely.1

An attractive nuisance refers to a feature on your property that entices children to use it, even without your permission, and could potentially cause them harm.

Some examples of attractive nuisances include:

  • Swimming pools
  • Ponds and fountains
  • Trampolines
  • Tree houses
  • Ziplines
  • Construction projects
  • Unsecured weapons
  • Playground equipment
  • Old vehicles

Here are a few ways to limit the risk of attractive nuisances on your property:

  1. Get Rid of It: If you already have something that could be considered an attractive nuisance, the easiest way to reduce your risk and save on insurance is to simply get rid of it. Removing old junk or debris might be cost-effective, while eliminating a swimming pool or other large structures could be more expensive.
  2. Secure the Area: Work with your insurance company to ensure you’re covered for anything that might be considered an attractive nuisance. Adding security features or fencing around these attractions can help mitigate the risk.

Remember that attractive nuisances can impact your liability coverage under your homeowners, renters, or business insurance policy. Consider purchasing additional liability insurance to ensure you’re adequately covered incase a catastrophic loss occurs.

1 Attractive Nuisance Doctrine