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Is there a way for me to get insurance for the halfpipe in my backyard?
My daughter's favorite hobby is skateboarding but we don't have any skate parks in our area. I’ve toyed with the idea of building our own halfpipe in the backyard, but I’m concerned about liability issues with my insurance company. Can I insure this type of structure in our backyard?
Shannon Martin · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
Similar to a swimming pool or trampoline, a skateboard ramp could be considered a liability risk by insurance providers—but if your
insurance company
gives you the green light, the halfpipe you build will be covered under section B of your policy, which outlines coverages for other structures.Since any insurer’s primary concern is safety, it’s a good idea to look for ways to minimize risk in the building process.
Some ways to make your handmade halfpipe safer include:
- Following a skateboard ramp design that has removable ramps (e.g. you can deconstruct and lock away the ramps at night)
- Including a fence around the ramp (to keep trespassers at bay)
Keep in mind: You should also check to see if you need a building permit for your ramp. Be sure to look into your city’s local ordinances and building laws before you get started.
You may also want to meet with your neighbors and let them know of your new project, in order to avoid any potential problems or disputes in the future.
Pro tip: Once everyone is on board with your skateboarding project (pun intended), shop around with different insurance companies to find the best rate on coverage! An online comparison tool (like
Jerry
) is a fast and easy way to find affordable coverage and save money.View full answer
- Gregory R.
WHY YOU CAN TRUST JERRY
Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
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