Many French people have it in their garden and forget to insure it: it can be expensive

2024-05-09 05:14:10

Some outdoor installations require insurance to protect against risks.

With the sunny days finally setting in, it’s time to prepare for the summer season. The terraces, gardens and barbecues are coming out of hibernation, with the help of high-pressure cleaners, the installation of tables, deckchairs and parasols. The swimming pool is also starting to regain its blue color. For anyone who has an outdoor space, the permanent return of the sun often corroborates with the return of a daily life spent much more often outside the house.

And this, starting with the children who can once again take full advantage of the mild temperatures to play in complete peace and quiet away from their bedroom or the family living room. Swings, slides or other trampolines generally adorn the lawn, thanks to the generosity of Santa Claus or following a birthday present. But this type of offering can hide some unpleasant surprises about which few parents find out beforehand.

This type of installation is not without risk, both for children and adults. Very quickly, an accident can happen, especially with a trampoline. But as is often the case, it is at the time of the incident that we consider the coverage provided by the insurance. Usually it’s too late. It is therefore better to take precautions.

Indeed, under traditional home insurance, only damage caused to a person not covered by the home insurance contract (a neighbor, a friend, a family member) is covered by your insurer. , under civil liability. On the other hand, if the person who signed the contract and/or the people who are attached to this contract (parents and children in principle) are injured because of the structure, they… are not covered!

A subtlety that must be kept in mind when installing equipment used for games in the garden. To cover you and your children against these risks, you must pay extra for insurance. Generally, this is a “Garden Guarantee”. This is what protects you in the event of hazards linked to the layout of your exterior. Cost of the surplus: approximately 10% compared to your basic comprehensive home insurance. Protection which may be interesting to think about but which does not include insurance for your swimming pool, which must be the subject of an additional option on the contract.