You want your children and their friends to enjoy recreational items at your home. This equipment may include pools, trampolines, swing sets, tree houses and other items. However, when your guests use your equipment, they bring risks along with them.
Young children may face serious personal injury risks when playing with this equipment. Should a guest encounter such an accident, it may mean you need to make a home insurance claim.
Why Homeowners Insurance is Necessary for Recreational Equipment
Every time your children or their friends use play equipment, there’s a chance they could get hurt. Accidents happen, sometimes completely by accident. Design your homeowners’ policy to address the risks posed by your children and their guests.
If an accident occurs to your child, you may be able to use your own health insurance to cover injuries. However, what if one of your child’s friends falls off your trampoline and sustains a severe injury? Injuries may include concussions, broken bones, internal injuries or worse. He or she may not have health insurance to cover the excessive costs of these injuries. Even worse, the child’s parents may decide to sue you because of the injuries their child sustained.
Though these are worst-case scenarios, they can happen. Should an accident happen to a visitor, your homeowners insurance may help you pay for the damage.
Getting Insurance for Guest Injuries
Standard home insurance policies usually contain liability coverage. Your homeowners liability insurance may help you in case of an injury to child guests.
Liability coverage may help you pay costs associated with personal injuries to others on your property. You can often determine coverage limits between $100,000 and $500,000 on your liability coverage. As with the example above, your policy may help you pay for legal costs in case you get sued after a visitor falls off your trampoline.
However, every liability policy is different. Some of them place no limitations on what recreational accidents liability protection covers. Others may require certain safety practices when guests use this equipment. Certain homeowners policies exclude coverage altogether for some recreational items. This means if an accident occurs on an excluded item, you may not be able to get insurance assistance. Talk to your insurer about how best to insure each recreational item on your property.
Need Midlothian homeowners insurance? We can help. Call Auto Insurers of Virginia at (804) 379-2697 for a fast, free policy quote right now.