Please ensure Javascript is enabled for purposes of website accessibility
 

A Summer Tree House And Your California Home Insurance

A Summer Tree House And Your California Home Insurance

Tree houses are one of the most remembered things about childhood fun. They became anything we could imagine: clubhouses, hideaways, castles, war rooms, forts, spaceships, control centers, submarines, tea rooms, and the list goes on!

The sobering side to these delightful experiences and memories is seeing them from a liability (your California home insurance company) point of view…yikes!  These same structures have a separate value that, just like a home, garage, shed, or pool; needs specific coverage. Secondly, that coverage needs to be for damage to the tree house as well as for protection against liability caused by owning a tree house.

The very fact that tree houses are so very fun is what makes them an issue for insurance companies.  They are “attractive nuisances”, which means they are Child Magnets! Tree houses are guaranteed to make a home popular, very popular! And word travels fast and far!!

Here are some things to consider if you have or are considering building a tree house:

  • They are off the ground and can usually only be accessed by climbing a rope or ladder
  • Tree houses that are not maintained become even more dangerous
  • They are used by children who are “playing”, not thinking about being careful
  • They are often used by too many children, can they handle the weight safely
  • The children are usually unsupervised when they are playing in tree houses
  • Access to the tree house can be 24/7/365….including nights, weekends and other times when the homeowner is not around

If you have a tree house, make sure that you keep it maintained and supervise its use. Also, call your California home insurance agent and make sure you have the liability protection you need….nothing like putting a damper on a childhood memory, but times have changed and parents don’t think twice about suing if their child gets hurt!

Written by: Rhonda Remland

Source: Rough Notes

Photo Credit: EcoSalon

COVID-19

The COVID 19 virus has certainly changed our lives for the short term both at home and at work. Our office is working in compliance with state and local officials and their request to minimize contact with others for the short term so that we can shorten the life of this virus.
As such, our offices will be available by phone or by e mail 8-5 Monday thru Friday. If you need to make an appointment to come by, please call us before you drop by, so we can reduce risk, and take care of our staff and just be safe.
Please don’t hesitate to call us and if for some reason you can’t reach us, please look at our website for carrier contact information. Thank You for your continued business.

Contact us Call Us