Are Trampolines Covered By Home Owners Insurance

If your children have been asking for a trampoline or if you want to have an inground or an above-ground trampoline as an adult as a way to get in shape you need to know: are trampolines covered by homeowners insurance. The answers vary depending on your coverage and the company with whom you are insured.

Trampolines do cause a risk of injury — about 100,000 injuries per year — and that might be a reason your insurance company will exclude coverage for you and for it. Make sure you talk with your homeowner’s insurance agent before you invest in a trampoline.

Are Trampolines Covered By Home Owners Insurance

What are some considerations homeowners insurance agents site for whether they will or will not cover a trampoline.

1. They may be included at no extra charge
2. They may be included if you purchase additional liability insurance
3. They may be included as long as they adhere to strict safety measures
4. They may be included but only up to a specific amount of liability.
5. Some companies will not cover the trampoline or you at all and will cancel your policy.

The only way to ensure you are insured is to ask before you buy the trampoline. You don’t want to get one, have someone get injured and find out you are not covered and will have to pay for any injuries or lawsuits out of your own pocket. Pick up the phone and make a quick call.

Call us 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.