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.