Is there a way for me to get insurance for the halfpipe in my backyard?

Can I insure the halfpipe I built for my daughter in our backyard? My daughter's favorite hobby is skateboarding but we don't have any skate parks around here. My backyard is large and we have more than enough room to build our own halfpipe, but I am concerned about liability issues with my insurance company.

Answer provided by
Shannon Martin
Answered on Jul 13, 2021
Shannon is an expert in personal lines liability insurance with 13 + years of insurance industry experience. She also served as a special insurance liaison to AARP members for 6 of those years. She is a graduate of UL Lafayette and currently resides in NY with her family. Shannon is also an amateur juggler, ukulele player, and is a time travel paradox theory enthusiast.
“A skateboard ramp in the backyard seems like a dream come true for any kid!
You will want to check in with your insurance company before you build anything, though. Like a swimming pool, a skateboard ramp could be considered a high liability risk.
Since the insurance company’s primary concern is safety, look into skateboard ramp designs that have removable ramps you can lock away at night.
If this is not an option, have a design plan that includes some kind of fencing to keep late-night skaters away.
If the insurance company gives you the green light, it will be covered under section D (other structures).
Before you start building, check to see if you need a permit and aren’t breaking any city ordinances. The ramps can be loud and might loom over a neighbors yard.
Also be sure to meet with your neighbors and let them know of your new project to avoid any potential disputes in the future.
If everyone seems on board with your skateboarding plans (pun intended), shop around with different insurance companies to find the best rate. An online comparison tool like Jerry is a fast and easy way to find coverage and save money.”

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