Will a trampoline impact your homeowners insurance? It’s a question you may not have considered before you thought of buying an in-ground trampoline or an above ground trampoline, but you certainly should.
Having a trampoline could definitely impact your homeowners insurance policy as many insurance providers will not provide coverage for injuries that occur on a trampoline and still others will require much higher limits of liability of you have a trampoline.
It’s estimated that in the United States there are close to three million trampolines in use; this also means that some of these trampolines will lead to injury and result in an insurance claim. Because insurance companies pay out close to $300 million annually on injuries sustained by misuse of a trampoline you can see why some companies would hesitate before insuring one.
Will A Trampoline Impact Your Homeowners Insurance?
It’s obvious that the more trampolines appear in backyards across the country, the higher the incidents of accidents. If, however, you have a trampoline — above ground or in-ground — you need to have safety measures in place to help prevent accidents.
Even though there may be thousands of trampoline accidents a year, there are also millions of families who use their trampolines without incident because they are safe when they’re rebounding and they understand the need for supervision and for having basic safety guidelines in place for its use.
- No more than one person jumping at a time (an adult may be on the trampoline with a young child, but only if the child is the only one jumping and wants to hold the adult’s hand for support)
- No backflips are allowed
- No rough-housing
- No jumping from the trampoline to the ground
- No pushing or shoving when on the trampoline
Today’s trampolines are designed for safety.
From the safety enclosures to the high quality mats and frames and the covers for the springs, trampoline manufacturers understand the need for a safe experience. Individuals who are looking for a way to exercise that won’t lead to point or joint pain, are looking to a rebounding experience and that is another reason in-ground and above ground trampoline manufacturers and sellers are focusing on safety as well as fun.
Before you invest in a trampoline, talk with your insurance agent to see whether it will impact your homeowners insurance coverage and prepare for that before you buy.