Many childhood dreams include jumping on trampolines, swimming on hot summer days, and climbing play sets with friends. As adults, it’s great to have an area to send the kids to burn off energy in the privacy of your own yard. Residents of Parkersburg, WV can rely on Curtis Miller Insurance to help them navigate proper insurance coverage for their play areas.

Does my home insurance policy cover my play area?

The only way to find out is to ask. Insurance companies have different requirements for covering trampolines and swimming pools. Some companies have no exclusions, meaning your regular homeowner’s insurance has adequate liability coverage to handle injuries if you are found legally liable for the medical bills. The next step up is coverage with specific safety precautions. Things like fences with child-proof/locked gates surrounding either the whole yard or the specific equipment may be required. Trampolines may have to have a net enclosure. There are a few agencies that will not provide coverage at all if a trampoline is brought onto the property and it can result in non-renewal of your policy. The best thing you can do is talk to your agent at Curtis Miller Insurance to determine whether your current policy is sufficient before installing new play equipment.

Is it necessary to notify my agent if I get new play equipment?

The best thing you can do is talk to your agent at Curtis Miller Insurance to determine whether your current policy is sufficient before installing new play equipment in Parkersburg, WV. You may want to review current liability limits even if your policy does cover trampolines, pools, and play sets. A great time to do this is before installation in your yard. It’s amazing how quickly an injury can occur.

Will my regular home insurance be enough?

If you are unsure whether your policy limits will be enough, check into the possibility of an umbrella policy to provide coverage beyond the homeowner’s policy liability cap. Our agents can guide you on how to best protect your family, friends, and home from the legal ramifications of injury.