Age has no limit on who can jump on a trampoline, as it is considered a healthy and fun activity to try out. However, some risks come with this device. According to reports, more than 800,000 children experience trampoline-related injuries like bone fractures. But that should not stop you from playing on trampolines.
Besides, if you have a homeowners insurance policy, it is important to know whether trampoline-related injuries are covered. So, if the question ”Does homeowners insurance cover trampolines?” gives you sleepless nights, well, you will have a good night’s rest at the end of this blog post.
Does Homeowners Insurance Cover Trampolines?
Some homeowners’ insurance policies cover trampolines. However, there are restrictions and conditions. This is because of the liability claims and the high risk of injury that it bears. In addition to this, insurance providers say that trampolines are classified as attractive nuisances.
Similar to swimming pools, this classification might affect your premium amount and the insurance company’s willingness to offer protection and coverage.
When Are Trampolines Covered?
Here are events or scenarios where trampoline-related injuries are covered:
- Liability coverage.
- If certain safety measures are implemented.
- Personal property coverage.
- Theft or damage.
- Covered perils.
- Trampoline injuries.
- If your trampoline is damaged or destroyed by a covered threat.
- If a person outside your household gets injured while jumping on your device.
When Are They Not Covered?
Here are scenarios where trampolines are not covered by homeowners insurance:
- Undisclosed trampolines.
- Exclusions to trampoline on policies.
- Failure to follow safety measures.
How Much Does Trampoline Insurance Cost?
Trampolines are not sold as standalone policies or quotes, but that does not stop you from receiving cover. Instead, you can get a homeowners insurance policy that offers trampoline coverage.
Additional Coverage for Trampolines to Consider
If your homeowners insurance policy does not cover trampoline-related injuries, here are some extra coverages to consider:
- Safety Endorsements: Some insurance providers provide endorsements that give additional coverage for trampoline-related injuries if you agree with specific safety guidelines.
- Umbrella Policy: By considering getting an umbrella policy, you will have access to additional liability coverage that surpasses what your home insurance policy offers. What’s more, it is suitable for a person who has a serious injury from playing on the trampoline.
How to Avoid Making Trampoline Claims
Here is how you can avoid filing claims against trampoline injuries:
- Make Use of Safety Features: Make sure that the trampoline is in good shape and that you use safety equipment like padding and safety nets.
- Create Rules: Set clear rules for trampoline use, for example, no somersaults or flips, to reduce the risk of injury.
- Supervise Users: Ensure that you supervise when the kids are playing on the trampoline and limit the number of people who can be on it at the same time.
- Secure the trampoline: Set up the trampoline firmly to the ground to avoid being blown away by strong winds or tipping over.
Following the guidelines and communicating with your insurance provider will help you make sure that you get proper coverage. This does not only help you get coverage but also balances the joy that this device brings with safety.
FAQs
Why do some insurance companies not cover trampolines?
Insurance companies may see trampolines as high-risk as a result of the possibility of injury. Similarly to swimming pools, trampolines are considered an attractive nuisance.
Can I be held liable if someone gets injured on my trampoline, even if they were using it without permission?
Yes, you can be held responsible if a person is injured on your trampoline, even when it is used without your permission. As the owner of a property, you have a particular level of liability to make sure that safety is practiced on your property, and it is called premises liability.
Will owning a trampoline affect my homeowners insurance premiums?
Yes, owning a trampoline can affect your home insurance premiums. This is because of the heightened risk of injury and liability claims involved with trampolines. Thus, insurance providers may increase your premiums.
What if my policy does not mention trampolines specifically?
If your policy does not specifically mention trampolines, it does not necessarily mean you are covered. It’s important to speak directly with your insurance provider to understand how trampolines are treated under your policy. Some policies may cover them under certain conditions or with added safety features, while others might implicitly exclude them due to policy definitions of high-risk items or activities.
What should I do if my insurance company cancels or refuses to renew my policy because of a trampoline?
If your insurance company cancels or declines your policy renewal because of a trampoline, here is what you can do:
- Shop around for new insurance companies that provide trampoline coverage.
- Remove the trampoline from your property.
- Consider buying an umbrella policy or a separate liability policy that offers extra coverage.
By doing this, you can get indemnification for the canceled policy.
