If you purchase a swing set for the backyard do need to inform your homeowners insurance company?

Yes, it is typically recommended to inform your homeowners insurance company if you purchase a swing set for the backyard. Here's why:

Increased liability: A swing set can introduce new risks and increase the potential for accidents or injuries on your property. By informing your insurance company, they can assess the potential liability and adjust your coverage accordingly.

Coverage for damages: If the swing set is damaged or causes damage to your property or someone else's, homeowners insurance may provide coverage for repairs or replacements. By notifying your insurance company, you can ensure that you have adequate coverage for these types of losses.

Compliance with policy requirements: Some homeowners insurance policies may require you to notify the company of any changes or additions to your property that may affect the risk profile. Failure to disclose such changes could potentially invalidate your insurance coverage or affect your ability to make a claim.

Accurate premiums: Informing your insurance company about the swing set allows them to accurately assess the risks associated with your property and calculate your premiums accordingly. This can help ensure that you are paying a fair and appropriate amount for your coverage.

It's important to note that requirements and recommendations may vary depending on the insurance company and the specific terms of your homeowners insurance policy. Therefore, it's always best to contact your insurance company directly and inquire about their guidelines and requirements regarding additions to your property like a swing set.