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Home Sense

Keeping Kids Safe in the Backyard

Many of us love the idea of turning our backyards into an inviting oasis where the kids can let loose while the adults unwind. Who wouldn’t want to kick back and listen to the happy squeals of their kids as they splash in the pool, bounce on the trampoline or swing higher on the swings?

Play it Safe

It’s important to take an inventory of your backyard and identify potential risks. Your insurance agent can help you determine what liabilities you have and what coverage limits are best for your specific situation. It’s about the peace of mind knowing you, your family (and the neighborhood kids) are protected if something happened.

It’s important to understand that swimming pools and trampolines are known as an “attractive nuisance.” In other words, you may have something that's kept outside that could tempt a child to sneak into your yard and use it. If that kid ends up getting hurt or worse, you could be held liable, even if they were trespassing.

Bottom line, there are many situations where if someone gets hurt at your home, you’re financially responsible for his or her  injuries. To protect yourself, talk to your agent. Understand what is covered under your homeowners policy and what isn’t, and consider an umbrella policy for more liability coverage for your backyard enhancements.

In addition, take a few extra steps to protect your family and your visitors. We’ll walk through some of the most common causes of backyard accidents and what homeowners can do to protect their families, their guests and their finances — without sacrificing the fun factor.

Up first, trampoline safety.

Many of us love the idea of turning our backyards into an inviting oasis where the kids can let loose while the adults unwind. Here's a series of tips to keep kids safe on trampolines, in pools, on swings and while using their favorite outdoor toys. /blog/backyard-safety Erie Insurance https://www.erieinsurance.com/-/media/images/erieinsurance/erieinsurancelogo.png

ERIE® insurance products and services are provided by one or more of the following insurers: Erie Insurance Exchange, Erie Insurance Company, Erie Insurance Property & Casualty Company, Flagship City Insurance Company and Erie Family Life Insurance Company (home offices: Erie, Pennsylvania) or Erie Insurance Company of New York (home office: Rochester, New York).  The companies within the Erie Insurance Group are not licensed to operate in all states. Refer to the company licensure and states of operation information.


The insurance products and rates, if applicable, described in this blog are in effect as of August 2017 and may be changed at any time. 


Insurance products are subject to terms, conditions and exclusions not described in this blog. The policy contains the specific details of the coverages, terms, conditions and exclusions. 


The insurance products and services described in this blog are not offered in all states.  ERIE life insurance and annuity products are not available in New York.  ERIE Medicare supplement products are not available in the District of Columbia, New York and Wisconsin.  ERIE long term care products are not available in the District of Columbia and New York. 


Eligibility will be determined at the time of application based upon applicable underwriting guidelines and rules in effect at that time.


Your ERIE agent can offer you practical guidance and answer questions you may have before you buy.