Pools and Trampolines: Liability and Home Insurance
Pools and trampolines increase injury risk, and some insurers exclude, limit, or require safety features for them. Here's how they affect coverage and what to check.
Pools and trampolines are sometimes called "attractive nuisances": features that can draw people, especially children, into dangerous situations. Insurers often treat them as higher liability risks.
How insurers commonly respond
| Feature | Common insurer responses |
|---|---|
| In-ground pool | Required fencing, self-latching gates; possible premium increase |
| Above-ground pool | Removable or lockable ladder; fencing |
| Diving board or slide | Exclusion or higher premium with some insurers |
| Trampoline | Exclusion, required netting, or limits on liability coverage |
| Hot tub | Locking cover |
Some policies exclude injuries related to trampolines entirely; others cover them with conditions. Not disclosing a pool or trampoline can create problems with claims.
Liability limits matter
Serious injuries can lead to large claims. Consider higher liability limits and an umbrella policy; see liability limits and umbrella insurance. Check whether your umbrella has its own exclusions for these features.
Safety steps that reduce risk
- Fencing and self-closing, self-latching gates around pools.
- Pool alarms and covers.
- Trampoline safety nets, padding, and one-at-a-time rules.
- Supervision rules for guests.
- Clear rules if you rent your home to short-term guests; see short-term rental gaps.
Local rules
Many localities require pool fencing and other safety measures by law.
The takeaway
Tell your insurer about pools and trampolines, check for exclusions and requirements, and make sure liability limits fit the added risk.
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