Trampolines are a source of endless fun for kids and families, but they also come with significant risks. From the perspective of homeowners insurance, owning a trampoline can affect your liability coverage and your premiums. Understanding how insurers handle trampolines can help you make informed decisions and ensure your family is protected.
The Liability Risks of Trampolines
Trampolines are classified as an “attractive nuisance” in the insurance world, meaning they can pose significant risks, especially to children who may use them unsupervised. Accidents such as falls, sprains, or even serious injuries like fractures and head trauma are unfortunately common. If someone is injured on your trampoline, you could be held liable for medical costs and other damages.
Insurance companies recognize these risks and typically charge a liability surcharge for homes with trampolines. This surcharge usually ranges between $40 and $100 annually. While this may not seem like a significant cost, it’s an important consideration when budgeting for your homeowners insurance and something to keep in mind if you are considering purchasing one.
Coverage Requirements for Trampolines
Not all insurers cover homes with trampolines. Some may exclude trampoline-related claims altogether, while others require specific safety measures to provide coverage. One of the most common requirements is that the trampoline must have netted sides, also known as an enclosure, to reduce the likelihood of falls.
Additionally, some insurers may mandate that the trampoline be placed on level ground, securely anchored, and surrounded by a fenced yard to restrict access when not in use. Failing to meet these requirements could result in denial of coverage for trampoline-related claims or even jeopardize your overall homeowner’s policy.
What You Can Do to Stay Covered
If you have or are considering getting a trampoline, it’s crucial to review your homeowners insurance policy carefully. Contact your insurance agent to confirm whether your policy includes coverage for trampolines and whether there are specific safety conditions you must meet.
At our agency, we’re here to help you navigate these considerations. We’ll ensure you understand any surcharges, exclusions, or coverage requirements and work with you to find the best solution for your family’s needs.
While trampolines can bring joy, they also come with responsibilities. By ensuring your trampoline is equipped with netted sides, properly maintained, and used safely, you can minimize risks and enjoy peace of mind knowing your insurance coverage is in place. Contact us today to review your policy and explore options for comprehensive protection.