Playgrounds

Playground Inventory Guide for Homeowners

Playgrounds provide a fun and engaging space for children to play, explore, and enjoy the outdoors. Whether you have a small backyard play area or a larger playground setup, these spaces often include various structures, toys, and accessories. Documenting the contents of your playground during an insurance Claim or construction project is crucial to ensure all items are accounted for although it can be tricky to allocate certain items to the correct coverage as well as trying to avoid double counting since…toys end up everywhere.

Anyways, this guide helps homeowners create a comprehensive inventory of their playground, covering structures, toys, and miscellaneous items and also provides some guidance on coverage details for certain type of items.

Types of Playgrounds

Backyard Playground: A customized play area in the backyard, often including swings, slides, and climbing structures. These playgrounds are designed for convenience and fun, providing a safe space for children to play close to home.

Community Play Area: A larger playground space shared by a HOA, neighborhood or community, typically featuring more complex structures and a wider range of play equipment. In the case of an HOA, your Policy may have an additional Endorsement to help cover damage to areas like these.

Adventure Playground: A playground on larger properties that includes natural elements like rocks, logs, and climbing walls, encouraging imaginative and active play. These areas often incorporate a blend of traditional playground equipment with nature-based features.

Structures

Permanent structures such as large swing sets, playgrounds and tree houses should be covered under the Secondary Structures area of your policy. Basically if they are large kits or custom built from a variety of building materials they aren’t necessarily Personal Property. What we try to cover here are the larger structures first, then we will cover large outdoor toys that should be allocated to Personal Property in the next section.

  • Balance beam

  • Built in sandpits

  • Climbing dome

  • Climbing wall

  • Jungle gym

  • Large Playhouse

  • Monkey bar set

  • Permanent basketball hoop

  • Rocking spring rider

  • Sandpit

  • See-saw

  • Slide structure

  • Swing set

  • Tennis court

  • Treehouse

Large Outdoor Toys

Again, these items should be organized under your personal property for insurance purposes. Also, some of these are listed under Decks & Patios and Toys so be careful not to double count.

  • Ball pit

  • Bouncy castle

  • Bubble machine

  • Cornhole game

  • Croquet set

  • Foam dart blaster

  • Football goal

  • Giant Connect Four

  • Giant tic-tac-toe

  • Hula hoops

  • Inflatable water slide

  • Jump ropes

  • Kite

  • Lawn bowling set

  • Mini golf set

  • Pedal car

  • Plastic playhouse

  • Plastic sandbox

  • Play tent

  • Pop-up soccer goals

  • Portable basketball hoop

  • Ring toss

  • Sand and water table

  • Sandbox toys

  • Skipping rope

  • Slip and slide

  • Sprinkler toys

  • T-ball set

  • Trampoline

  • Trike or pedal go-kart

  • Water guns

  • Water play mat

  • Yard games set

  • Zip line set

Miscellaneous

  • Benches

  • Bike rack

  • Child-sized picnic table

  • Garden hose

  • Ground anchors

  • Ground cover (rubber Mulch, sand)

  • Kiddie pool

  • Kids gardening tools

  • Kids outdoor chairs

  • Ladder safety pads

  • Outdoor carpet

  • Outdoor storage box

  • Playground borders

  • Playground canopy

  • Playground mats

  • Protective netting

  • Sandbox cover

  • Shade sail

  • Sit-on mower toys

  • Soft play blocks

  • Sports balls

  • Storage Shed

  • Sunshade umbrella

  • Swing set anchors

  • Tire swing

  • Trampoline cover

  • Weather-resistant toy box

  • Wheelbarrow for kids

  • Wind spinner

Wrap-Up

This guide provides homeowners with a detailed approach to documenting the contents of their playgrounds, ensuring that all essential structures, toys, and accessories are inventoried properly during insurance claims or renovations. This type of thorough inventory will help protect your investments and ensures your play area can be quickly restored after any incident.