What Are Attractive Nuisances?

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Boy playing at tree house (Photo: @makenamedia via Twenty20)
While insurance companies are there to cover you in case of emergencies, this doesn’t mean they want you to put yourself at risk. In fact, it’s quite the opposite. The more you put yourself at risk, the more you’ll pay for your insurance premium. And, while you may not be actively looking for trouble, you may have some elements in your house that your insurance company considers potentially dangerous. Attractive nuisances are a perfect example of this. 

What Are Attractive Nuisances?

An attractive nuisance is something you’ve chosen to have on your property but that could be potentially dangerous yet also irresistible for other people—mainly children. Attractive nuisances can include:
Pools and Hot Tubs: Sure, they’re fun to have in the summertime. However, when not secured, they can pose a drowning threat. 
Construction Sites: Kids love these. To them, these areas promise adventures. However, they can also promise multiple injuries. Therefore, a construction site at your home can increase your risk factor. 
Exposed Power Lines: Power lines are not something you’d want to be exposed to or have them be even remotely accessible to any guest or even trespassers. 
Abandoned Cars: While you may see them as a collection, kids might see them as a playground. Therefore, make sure to lock doors and windows so that they have no access to the inside of them.
Play objects: While these are specifically made for kids, the truth is that they can still get hurt when playing in them; this is especially true for things like trampolines, tree houses, and jungle gyms, and swing sets.

What Risks Do They Pose For You?

If you have any of the previously mentioned items in or around your house, and any kid gets injured because of them, you could be found to be legally responsible for it. 
You should always make sure to take the appropriate safety measures to prevent people from getting injured on your property. However, to be extra safe, you should also be sure you have the proper insurance coverage. 

How Can You Stay Safe While Having Attractive Nuisances in Your Home?

You may not be willing to give up your pool or other attractive nuisances in your home, but you still want to be able to keep your home as safe as possible. So, what can you do to help this situation?
Light It Up: We’re not talking about flames here. Make sure to keep your house illuminated so that there’s good visibility around any attractive nuisances. 
Get a Fence: If you haven’t done so already, a fence is an excellent idea to keep people out of danger zones (or your property in general). 
Cover Your Pool: In addition to a perimeter fence around your pool, you could also buy a pool cover and keep it secured until it is time to use it. 
Warn People: Sings are a great way to alert people of potential dangers. You can use them for pools, angry dogs, construction sites, stairs, and basically anything else that might come to mind. 
Be Vigilant: While the previous measures are mainly to keep people out of your property when you don’t want them to be there, there will also be times when you do want them in your house. Having guests over is part of living. Just make sure to stay vigilant for any dangerous situations.