Does My Homeowner’s Insurance Cover Kids Who Come Over To Play?

The general answer is yes, but as with most rules, there are always exceptions. Cause and the circumstances behind the injury may make a difference in how your insurance company handles the case. Injuries that occur due to normal play in the house will more than likely to be covered if it is determined you are legally liable for those injuries. Outside play and injuries caused by animals are where things can get a bit sticky.

Outdoor Play Equipment

If you have a trampoline or swimming pool, it is best to speak to your agent at Henderson Insurance Agency in Harrisburg, PA about coverage and limitations before an accident happens. Some insurance companies have strict policies in place that will not cover trampolines at all. In that case, you will be totally responsible if a judge finds you legally responsible. Other agencies provide coverage with safety precautions in place. These precautions can come in the form of gated fences, nets, and spring covers. It’s amazing how many injuries can be prevented by surrounding a trampoline or pool with an enclosure.  You may be lucky enough to have a policy with no exclusions. In that case, your regular homeowner’s policy should cover an accidental injury. The only way to know for sure is to discuss your insurance companies’ policies and coverage.


Injuries caused by your pets may be covered, especially if your pet has no history of aggressive behavior that has caused injury in the past. Another protected area deals with injuries that occur when someone trespasses on your property or provokes your pets. Be sure you follow state licensing law for dogs. Any dog over 3 months of age must be licensed by January 1st each year. Any dog that is deemed dangerous by the courts must be contained according to guidelines. Protect your guests, your home, and your pets by using good judgment when kids come over to play.

If you are in the Harrisburg, PA area, contact the team at Henderson Insurance Agency to discuss the specifics of your home insurance policy. When it comes to kids, it is best to be safe rather than sorry.