What is an Attractive Nuisance?

An attractive nuisance is something on your property that can be considered a magnet for every kid in the neighborhood. Things like trampolines, pools and swing sets may be a lot of fun, but to a homeowner, they are also a huge liability. If you are a homeowner with any of these features, you could be held liable for any injuries – even if someone sneaks into your yard without permission.

Common Attractive Nuisance Examples

  • Swimming Pools
  • Trampolines
  • Tree Houses
  • Fountains
  • Wells
  • Ladders
  • Aggressive Animals
  • Rooftops*

*Rooftops can be a less obvious form of attractive nuisance. If your roof is easily accessible and you haven’t taken steps to prevent children from climbing up, you could be held liable in the case of an injury.

How to Protect Yourself and Others

While you are not required to childproof your property, taking some basic precautions to prevent injuries can go a long way to avoid liability. If you see children interested in something on your property, here are a few things you can do:

  • Lock it up when not in use
  • Put a barrier around it
  • Create a warning sign (ex: “My dog is not friendly”)
  • Talk to the parents in the neighborhood so they can discuss safety with their children

Be sure to also read and follow your state and local laws regarding attractive nuisances. If they are confusing or hard to understand, feel free to reach out to your insurance agent! They will likely have a list of potential items that may be attractive nuisances on your property and have advice for protecting yourself.

Having the right coverage won’t make attractive nuisances safer, but it can help protect you from financial losses in case of a covered injury. To learn more about your coverage options, reach out to your Pulte Insurance Sales Agent today!