Homeowners Insurance 101
Before you get a homeowners insurance quote, understand the basics of home insurance. What is home insurance? Find out that information and more.
by Will Koch
By investing in backyard entertainment, you can make your house a go-to for summer fun. Adding swimming pools, trampolines or playground equipment attract friends and family, and the kids love it. But are you doing everything you can to keep your backyard as safe as it is fun?
If you're looking to create a fun backyard for your family and friends to enjoy summer, a swimming pool is a great addition. When you add safety to fun, consider these tips:
Kids should never swim alone. Don’t go inside, even for just a second.
Sign your kids up for swimming lessons if you haven’t already done so.
Everyone in the family should learn basic water skills appropriate for their age. Young children should learn to recognize emergencies so they can alert others, and older children and adults should learn CPR and first aid.
Keep a first-aid kit, ring buoys and reaching poles near the pool. When an emergency happens, having easy access to pool safety equipment could be the difference between life and death.
Some municipalities require a fence for all backyard pools. When you select a pool safety fence, make sure it protects all sides of the pool and includes self-closing gates. If the house forms part of the pool’s barrier, install the proper locks and alarms on all doors with access to the pool. You don’t want the kids sneaking out for a swim unsupervised.
Create and post a list of safety rules and strictly enforce them.
Your kids can have hours of fun and work out tons of energy bouncing on a backyard trampoline. Take these steps to keep your bouncers safe.
Don’t just invest in the trampoline. Make sure you also spring for the proper padding and netting. An enclosed trampoline can help ensure no one falls off.
Over time, an outdoor trampoline may need maintenance. Make sure all trampoline safety features are in working order. Inspect it regularly for missing pads, tears, exposed springs and other issues that could cause an injury.
One person should jump at a time as most trampoline injuries occur when more than one child is jumping.
Commit to playground equipment safety. Keep an eye out for protruding bolts, open hooks, broken ropes, or rusted chains that could lead to playground injuries. Don’t delay replacing them whenever they show wear and tear.
What’s underneath your playground equipment? Invest in soft-landing material like rubber tire chips, rubber tiles or even landscaping mulch to reduce or prevent playground injuries from falls or intentional jumps.
Having kids follow simple rules can contribute to playground safety and avoid playground injuries. A safe playground is a fun playground.
Adult supervision is always the best approach while the kids are having fun. Keep a close eye on the kids to reduce playground injuries and ensure your backyard meets your playground safety expectations.
Even if you follow all these summer safety tips, accidents happen. So, keeping your liability insurance protection updated is key. If you add a pool, trampoline or playground to your backyard, meet with your insurance agent to see if you need to increase your home liability coverage. You may even consider an umbrella liability insurance policy to give you added protection against backyard accidents.
Updated 5-19-23
Before you get a homeowners insurance quote, understand the basics of home insurance. What is home insurance? Find out that information and more.
If you had to file a home insurance claim, could you list all items in your home? Create a home inventory to make future home insurance claims easy.
Contact a local insurance agent, start a quote online, or call us at 866-COUNTRY (866-268-6879). We'll help you find the home insurance coverage that works for you.
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