Legal Question in Real Estate Law in Connecticut

Re: Neighbor's Children Trespassing

Notify the neighbors in writing (certified mail is best) that much as you find their children to be adorable little creatures, you are concerned that they might be hurt on your property and please keep them off. You should also post no trespassing signs. One thing to consider: if the dangerous situation is natural (a stream or pond, for example) you have less exposure than if it is man made (a swimming pool or a man made fish pond or something). You might also consider getting an umbrella policy for the property. They aren't very expensive and not only will you get some peace of mind, but you will also get increased coverage for defense costs. Most policies provide that the cost of defending a claim (mostly the lawyer) comes out of the policy limits. So if a child drowns, for example, and you get sued and your policy limit is, say, $20,000, and the case actually goes to trial, even if you win the lawyer's bill might be more than $20,000 and you could get stuck with the overage. Increased limits on your underlying policy or an umbrella policy would take care of that.