April 26, 2017
Trampolines can provide hours of fun for kids and adults alike. They are a popular choice for outdoor entertainment as they are not overly expensive and can be easy to maintain. Trampolines can, however, be very dangerous if used improperly. A recent study showed that between 2002 and 2011 over one million people went to the emergency room for trampoline related injuries. Where there is a trip to the emergency room, there is sure to be a high expense and a large bill. So who covers trampoline injuries? What risks are you taking when adding a trampoline in your yard? Let’s take a look at the facts surrounding trampolines and insurance policies.
Changes to Your Policy
First and foremost, you’ll want to look into your home insurance policy to see if you are able to have a trampoline and still remain on that policy. Some insurance companies simply do not allow trampolines, and you could be dropped from the company if you purchase one. Some companies, however, just have certain stipulations about adding a trampoline you’ll need to be aware of. Many require the trampoline to have netting and padding around it to help prevent injuries. Some companies will increase your insurance premium as a result of adding the trampoline, because the risk of injury goes up, however this is a less likely scenario because most companies either cover them or don’t.
Deciding to add a trampoline can become more trouble than it’s worth if you find out your policy does not cover it. If you decide you want one regardless, and that you are willing to find a new insurance company, it is important to consider the state of your home first. When switching insurance companies, your house will need to be inspected, and if your home isn’t up to inspection standards, you could find yourself in need of home renovations to get coverage. Or say you decide to just get the trampoline anyway, knowing it is not covered? You’ll need to be prepared to pay for any costs associated with an accident on your property involving the trampoline. If it is specifically excluded in your insurance contract, the insurance company does not have to cover any costs associated with it.
Trampolines can be a great addition to your home, as long as you know what that means for your insurance before you purchase. If you are unsure whether a trampoline or trampoline accident is covered under your insurance, contact your home insurance provider. For help with selecting a home insurance provider, or finding a new one, get in touch with American Heritage today!