The word ‘nuisance’ generally describes something inconvenient or annoying. However, there are many home features that may come with certain inconveniences, while also providing plenty of benefits. For example, pools and trampolines offer endless opportunities for fun, but they also come with safety concerns. These features are often described as an “attractive nuisance,” and they can actually impact your home insurance rates. Here’s a guide for homeowners who have these features or are considering adding them. 

What Is an Attractive Nuisance?

An attractive nuisance is any attractive or beneficial home feature that may also present safety issues. For example, pools, trampolines, and playground equipment all provide activities for families, but they can increase liability by attracting kids who aren’t able to play in these spaces safely. Attractive landscaping features like raised flower beds or retaining walls may also fall into this category. 

How & Why Do They Impact Home Insurance?

Attractive nuisances affect home insurance because they increase the likelihood of an injury occurring on your property. The concern is that kids walking by your property may be tempted to play on these features without taking proper safety precautions. For example, they may jump on a retaining wall or climb up a swingset. If they hurt themselves, you may be liable for damages, which is what increases your insurance. 

How Can I Keep Rates Low?

However, you can still enjoy these features without your home insurance rates going up significantly, as long as you take reasonable precautions to keep these safety hazards inaccessible. For example, pools and trampolines should generally be behind privacy fences. Rules vary by state, but check with your insurance provider for rules and tips before installing these features. 

If you’re looking for affordable home insurance in the Lovington, Hobbs and Lea County areas of New Mexico as well as Texas, contact Western States Insurance Group, Inc. The agency provides a wide array of policy options, along with knowledgeable, personalized service. Visit the website to browse policy options, or call (575) 396-1318 to request a quote. Connect with Western States Insurance on Facebook and Twitter.