What is Attractive Nuisance?
Insurance glossary entry on BeCovered.ai for the term "Attractive Nuisance": Property feature likely to attract children (pools, trampolines) creating heightened liability duties. Scope: plain-language meaning for coverage discussions; confirm definitions on your policy forms.
Property feature likely to attract children (pools, trampolines) creating heightened liability duties.
Understanding Attractive Nuisance
Insurers surcharge or exclude trampolines/pools without fencing. Failure to secure attractive nuisances increases negligence exposure beyond typical premises liability.
Examples
- Neighbor child enters unfenced pool—homeowner liability claim.
- Trampoline with net but no surrounding fence—carrier non-renewal notice.
Common Questions About Attractive Nuisance
Will umbrella cover trampoline?
Many umbrellas exclude or require underlying compliance—read trampoline questionnaire answers.
Does removing trampoline restore eligibility?
Often yes after inspection proof—document removal for underwriting file.
Related Insurance Types
Related Terms
Liability
Legal responsibility for causing harm or damage to another person or their property.
Umbrella Insurance
Extra liability coverage that kicks in when your auto, home, or other policy limits are exceeded.
Coverage Limit
The maximum amount your insurance company will pay for a covered claim.
Claim
A formal request to your insurance company for payment or coverage for a loss or policy event.