What would happen if your child’s friend were injured while using the trampoline in your backyard? Your home insurance company may not provide liability coverage in case someone was injured. In addition, some home insurance companies may not insure your home if you do own a trampoline.
Homeowners insurance policies may not cover trampolines
Trampolines can be dangerous because even if you have trampoline safety netting, it may not protect children from falling off the trampoline or having objects like water balloons and soccer balls fly into them during playtime.
If your home insurance company doesn’t cover liability for injuries incurred on your trampoline, then there’s an increased risk of injury due to negligence (if someone was injured while using your trampoline).
In addition, some homeowners’ policies exclude coverage for personal items such as basketball hoops, swimming pools, paintball guns and more – which means that accidents occurring with these things could leave you without any compensation.
Trampoline safety
Trampoline safety is a concern for many parents and children who use trampolines. Children are often injured by falling off the trampoline or have objects like water balloons and soccer balls fly into them during playtime.
The trampoline has been blamed for several deaths, with the most recent death being that of 14-year-old Zachary Weimer in 2011. The trampoline had no safety net or enclosure, and it was up to parents to monitor play time on the device.
There are so many ways you can make your trampoline safer by adding protective coverings like enclosures, pads, and nets.
Another way you can protect yourself from injuries on the trampoline is to put something under it to lessen the impact.
Many trampolines are also sold with safety nets that you can attach easily and save yourself from injury in case of a fall or collision on the trampoline.
In addition, if your home insurance company does not cover liability for injuries sustained while using trampoline equipment such as a net enclosure or airbag cushions, it is worth discussing this coverage option change with them before purchasing these items.
Who to ask about your Trampoline?
The best way to find out if your home insurance will cover a new backyard toy like a trampoline is to call and ask! Who knows what might happen? Someone could get hurt and your house insurance may just cover it!
It’s possible that your insurance company won’t cover you if someone is injured on the trampoline in your backyard. If this has been a concern for you, it may be time to have a chat with an agent about what coverage options are available to protect yourself and your home.
One of our agents would love to help guide you through understanding all the different types of policies out there so that you can find one that fits both your needs and budget.
Finally
If you would to like to discuss your options for home insurance, please call us at 561-732-9305 our quoting hours are Monday through Friday from 8:30 AM to 5:00 PM. In addition, you can request a quote online. Please remember, We Handle All the Work, While You Save!
Robert Macoviak is the President of Oyer, Macoviak and Associates. Oyer, Macoviak and Associates is the oldest independent insurance agency in Boynton Beach and has been in business since 1953. Oyer, Macoviak and Associates are vested members of the community who are committed to doing business face-to-face and being your insurance advocate in times of need.
