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7 Common Attractive Nuisances That Increase Home Insurance Premiums

By Jarrod Heil

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For homeowners, attractive nuisances may seem to be anything but nuisances. Each is usually associated with having fun, experiencing a good time and elations of joy as you play away, splashing or bouncing, toward a day filled with excitement.

For home insurance companies, on the other hand, attractive nuisances are anything but fun. They’re basically ticking time bombs in a policyholder’s backyard that are associated with severe injuries and costly home insurance claims.

Attractive nuisances are like the phrase “tomato or tomato,” which you probably pronounced two different ways just now. They are both to each of the beholders.

But there’s no doubt having attractive nuisances on your property will increase your home insurance premiums. Let’s take a look at which ones are most common and why they increase your premiums.
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1. Swimming Pool

Swimming pools are the most common attractive nuisances in the United States, and they’re also one of the most costly in terms of disasters and claims. Pools are enjoyable. They allow you to catch a brief break from the sweltering summer sun to splash around in hundreds of gallons of water.

But even though pools are fun, they aren’t always safe. Major injuries, including death, can occur in pools and have a dire cost associated with them. If someone is injured in your pool, you could be on the hook to pay their medical bills and any legal expenses relating to the accident.

Luckily, if you have home insurance, it can step in to pick up the maximum amount on your policy’s liability coverage. But injuries that occur in pools can often exceed your policy maximums, especially if the worst-case scenario occurs.

Since swimming pools, and especially those with diving boards or slides, are associated with such costly claims, insurance companies must offset their potential losses by raising the rates of homeowners who have pools.

2. Hot Tub

Similar to swimming pools, hot tubs are attractive nuisances that can result in costly home insurance claims. But you don’t just have to worry about your family and friends utilizing your hot tub and potentially getting injured.

Attractive nuisances are so dangerous because they attract people’s attention and are inviting. Sometimes inviting the wrong people, like burglars or passers-by who decide your hot tub looks like a great place to relax.

3. Fountains, Ponds and Lakes

Another body of water on the list of attractive nuisances shouldn’t surprise you, especially after we’ve been so diligent to inform you how dangerous water can be and how costly the insurance claims. Any body of water large enough to swim in is going to be an attractive nuisance that raises your insurance premiums.

Don’t worry, if you put up a small decorative fountain, your rates won’t increase due to that. Insurance companies are only worried about the bodies of water large enough to swim in (or accidentally fall into).

4. Playground Equipment

Backyard playgrounds are like a paradise for children. They can spend all day on the at-home jungle gym and seemingly never tire.

But kids aren’t the most careful human beings on the planet, especially not when swinging as high as possible, navigating the monkey bars one-handed and sliding down a structure nearly three times their height.

You see where I’m going here? Playground equipment poses a certain threat to kids when they’re not careful — and even on the rare occasion when they are. That’s why they’ve been classified as attractive nuisances in the court of public insurance opinion.

5. Trampoline

Do you remember those summer days as a kid, trying to perfect frontflips and backflips while sometimes being sprung right off the surface and onto the ground?

Hopefully the latter event lacks in your memory, but for many people, that event can send kids (and adults who think they can still get after it like they used to) to the hospital with broken bones and other injuries.

Since the trampoline is the policyholder’s property and they purchased it for use, they are likely going to be found liable for the damages. That means if your child’s injured friend’s parents decide to file a claim against your home insurance, your premiums are likely to increase again.

6. Treehouse

Treehouses are tiny castles in the sky that nearly every kid dreams of growing up. Luckily for insurance companies, many people forgo the treehouse in favor of a safer couch-cushion fort inside. But those homeowners who give in to their children’s desires for a treehouse will face a lofty insurance premium hike.

7. Construction Projects

One of the most common attractive nuisances the average person fails to consider is a construction project happening on the property. Whether the homeowner is building a new deck, adding a room on to the house or renovating other areas of their home, there are probably tools and construction equipment lying around in the open.

Those areas are actually considered attractive nuisances due to the dangers they pose. From accidentally stepping on a nail to going through the floors, at-home construction projects pose some serious dangers.
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The editorial content on Clovered’s website is meant to be informational material and should not be considered legal advice.