Backyard trampolines can bring a lot of joy and entertainment, especially when the weather is nice. However, before you decide to get one for your home, it’s crucial to think about the risks involved and how it might affect your homeowners insurance.
Trampolines are fun, but they can also lead to serious injuries. The American Academy of Pediatrics reports that trampoline-related accidents cause over 100,000 visits to emergency rooms each year. Many of these injuries are severe, including broken bones and head injuries, particularly among children. This high risk of injury makes insurance companies wary, as they could face increased claims if someone gets hurt while using a trampoline on your property.
When it comes to homeowners insurance, the way trampolines are handled can vary greatly between different insurance providers. Some policies might exclude trampolines entirely, while others may require specific safety measures to be in place or may only provide coverage if you get prior approval. If you are unsure about how your policy addresses trampolines, it’s a good idea to speak with your insurance agent. They can help clarify your coverage and suggest any necessary changes.
Additionally, having a trampoline might affect your insurance premium. Insurance companies consider various factors when determining your rates, including the presence of recreational equipment like trampolines. If a trampoline raises your liability risk, it could lead to higher premiums.
If you choose to have a trampoline, there are steps you can take to minimize risks and promote safety. Using a trampoline with a safety net and padded springs can help reduce injury risks. It’s also important to supervise children while they are jumping and set ground rules, like allowing only one person to jump at a time and prohibiting flips. You may also want to consider fencing or a locking cover to prevent unsupervised access.
These precautions not only help keep jumpers safe but can also show your insurance company that you are managing risk responsibly. Remember, any changes to your home, like adding a trampoline or getting a pet, can impact your insurance needs. Regularly checking in with your agent ensures that your coverage stays up to date.
At Central Insurance, the focus is on helping homeowners understand their insurance needs. They work with independent agents to provide tailored policies and expert advice. If you’re thinking about adding a trampoline or have questions about your coverage, reaching out to your Central agent can provide the guidance you need.