Does Your Home Insurance Cover Your Backyard Pool or Trampoline?

Backyard pools and trampolines are common features for Phoenix homeowners seeking relief from the desert heat. They are also great recreational options for families with children.

While these additions enhance your lifestyle, pools and trampolines may significantly impact your home insurance coverage in ways many homeowners don’t realize. This blog will explore how pools and trampolines affect your insurance, what coverage limitations might exist and how you can adequately insure yourself while still enjoying these backyard amenities.

Understanding Your Liability Exposure

While standard homeowners policies typically include liability coverage, pools and trampolines are considered “attractive nuisances” that increase your risk exposure. This concept recognizes that these features might attract children onto your property, even without permission, potentially leading to injuries.

Phoenix’s year-round swimming season means pools receive consistent use, potentially increasing accident risks compared to regions with shorter swimming seasons. Some insurance companies may require specific safety measures for pool owners, such as fenced enclosures with self-latching gates, pool covers or alarms.

Insuring Yourself

Arizona homeowners with pools or trampolines might want to consider increasing their liability coverage limits or adding umbrella insurance. These options offer additional protection beyond standard policy limits, potentially offering greater peace of mind.

Documenting your safety measures through photos and maintenance records might also help demonstrate your commitment to reducing risks, which could be valuable information during claims processes.

Learn More

Contact Sonoran Insurance LLC in Phoenix, Arizona, to discuss how your pool or trampoline might affect your home insurance coverage. Our team can help you consider options that may work for your situation.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.