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Do I Need Insurance For A Trampoline?

A question that new trampoline owners don’t always consider is: Do I need insurance for a trampoline? You may not need insurance for the inground or above ground trampoline itself, but you may need to call your homeowner’s insurance agent and see whether having a trampoline will impact your insurance coverage — and it just might.

In the United States, it’s estimated that close to three million homes have trampolines; there will be injuries on these trampolines. This is something you need to be aware of. Another fact insurance companies share is that close to $300 million dollars a year are paid out by insurance agencies to pay for injuries caused by using a trampoline. Because of this, many insurance providers will not offer coverage for inground or above ground trampolines.

Do I Need Insurance For A Trampoline?

Of those injured on trampolines, the largest age group includes children six to fourteen-years-old. The reason for this could be that there are more children of that age group using the trampoline. Those injuries typically include leg and foot and some are so severe the child is paralyzed. We’re not writing this article to alarm you, but to make you aware of the need to adhere to responsible trampoline use at all times.

Along with the challenges posed by trampoline use, there are also benefits and those include:

  1. Cardiovascular health
  2. It’s an exercise that doesn’t cause any strain on your bones or joints
  3. Rebounding can help with balance issues
  4. It’s fun

Work with a trampoline manufacturer or seller who discusses safety and provides safety equipment. Many experienced trampoline sellers will offer best-practice information along with safety information and rules you should impose for its use.

When you call your insurance agent — and you need to do so before you buy a trampoline, someone suffers an injury and found out you have no coverage.

Some insurance policies will have a trampoline exclusion clause. This clause stipulates, you still have coverage for your home, but not for any injuries caused by trampoline use. This means if someone is injured you may be liable for medical expenses.

This is not a list by which you should completely rely. You MUST call your own insurance carrier! 

  1. Farmers Insurance will deny, or cancel coverage, if you have a trampoline
  2. Allstate may provide limited coverage based on safety precautions and measures you have in place
  3. State Farm didn’t have any exclusions

NOTE: This information can change quickly so you need to call your own agent first.

If you have any questions about trampolines — inground or above ground — give us a call! We can answer any other questions you have about a trampoline purchase — inground or above ground.

If you’re thinking about getting an above ground or an inground trampoline this year, give us a call. Let’s talk about the best trampoline for you, your family and your budget.

Is Your Trampoline Spring-Ready?

Looking at the calendar or watching the snowfall, you may not think that spring is coming soon, but it is. The Groundhog saw his shadow and predicted an early spring and because of that, we ask: is your trampoline spring-ready? Trampolines, both inground and above ground don’t require a lot of maintenance, but they do require some and that is especially true if it hasn’t been used for a few months.

Once spring makes its way to your part of the country, you want to make certain the trampoline is ready to greet the new season with the same fervor you are!

Is Your Trampoline Spring-Ready?

Here are some items you will want to check to assure your trampoline is ready to greet the season.

  1. The frame. It’s the heart of the trampoline and has to be in good shape to assure performance, but more importantly, safety. Inspect the frame for erosion, rust or any cracks or other faults that could impact its integrity.
  2. The mat. Check the mat for any pilling or snags or tiny tears. During the winter, falling branches or the weight of ice and snow could have damaged it. Wash it thoroughly, let it dry then inspect it.
  3. The springs. It’s possible for the springs on the trampoline to have stretched out or to have gotten rusted over time. Check them and assure yourself that none of them are stretched out; if they are replace them before anyone jumps.
  4. The safety net. If you didn’t take down the safety net for the winter season, it may have gotten damaged by wind or snow. If it got blown over, check for any tears. You may need to replace the netting or the entire safety enclosure as well as any enclosure poles that may be damaged.
  5. The spring padding. The padding on the springs protects anyone who jumps from falling and getting pinched by the springs. The springs padding also helps prevent anyone from falling down between the springs and getting injured.

Before you remove the trampoline cover, inspect it for any holes or any rips and replace it if necessary. The trampoline cover is one of the best ways to protect your investment.

If you have any questions about trampolines — inground or above ground — give us a call! We can answer any other questions you have about a trampoline purchase — inground or above ground.

If you’re thinking about getting an above ground or an inground trampoline this year, give us a call. Let’s talk about the best trampoline for you, your family and your budget.

Why Get An Inground Trampoline

When it comes to trampolines you may be wondering why get an inground trampoline? They may cost more than above ground, but does that make them any better or safer? It just might! But, in fact, there are many reasons to consider an inground trampoline, not the least of which is the aesthetic appeal — or the fact that they don’t detract from the beauty of your backyard and its landscaping.

Why Get An Inground Trampoline

Here are other reasons to consider an inground trampoline. This is based on our research, our dedication to the products we sell and in response to questions we get asked all the time.

  1. They are inherently safer than an above ground trampoline. The reason is, they are ground level. When you add in a safety net around the sides, you’re making it even safer. As with an above ground trampoline, though it is up to the adults in the household to enforce the rules of the trampoline to keep everyone safe.
  2. They are built to last. We sell only high quality, made in the USA products. The products we sell are made to last and will as long as you exercise proper care and maintenance with them.
  3. They are easy to install. If you can dig a hole and put up some of the inground trampoline components, you will have your own trampoline in no time. It is a true DIY project and can even be a fun way to spend with friends and family — as long as they know they will be invited to jump once it’s complete!
  4. They look great. When you take down the safety net (and don’t do this while people are using the inground trampoline, it will virtually blend into the yard.
  5. They come in various shapes and sizes to suit your jump needs and the space you have to devote to it.

If you have any questions about trampolines — inground or above ground — give us a call! We can answer any other questions you have about a trampoline purchase — inground or above ground.

If you’re thinking about getting an above ground or an inground trampoline this year, give us a call. Let’s talk about the best trampoline for you, your family and your budget.

FIND AN INSTALLER NEAR YOU

In-Ground Trampolines has a growing list certified dealers/installers. If you need a contractor in your area, we are happy to help you find one.

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