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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.
Shannon Martin · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“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.”View full answer
- Gregory R.
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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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