Trampolines: Fun and Games Until Someone Gets Hurt…and Your Homeowners Insurance Won’t Cover It
Trampolines: Fun and Games Until They Aren’t
Backyard trampolines are a fun and popular way for families to get exercise and enjoy the outdoors. However, they can also be a serious safety hazard. According to the American Academy of Pediatrics, trampolines are the leading cause of emergency room visits for children under the age of 6.
Trampoline-related injuries can range from minor bruises and sprains to broken bones, head injuries, and even paralysis. In some cases, trampoline injuries can be fatal.
Many homeowners insurance policies exclude coverage for trampoline-related injuries. This is because trampolines are considered to be an “attractive nuisance,” meaning that they pose a danger to children who may be drawn to them, even without the homeowner’s permission.
If you have a backyard trampoline, it is important to check your homeowners insurance policy to see if you are covered. If you are not covered, you may want to consider purchasing additional coverage.
Here are some tips for safely using a backyard trampoline:
- Only allow one person on the trampoline at a time.
- Supervise children closely at all times while they are using the trampoline.
- Teach children how to jump safely, including how to land on their feet and avoid somersaults and flips.
- Make sure the trampoline has safety nets and padding.
- Keep the trampoline in a safe location, away from trees, fences, and other hazards.
If you are considering buying a backyard trampoline, weigh the risks and benefits carefully. If you do decide to buy a trampoline, be sure to take steps to minimize the risk of injury.
Additional tips for homeowners insurance:
- If you have a trampoline, let your insurance company know. They may be able to add a trampoline exclusion clause to your policy, which will protect you from liability if someone is injured on your trampoline.
- If you are shopping for homeowners insurance, be sure to ask about coverage for trampolines. Some insurance companies may offer coverage for trampolines at an additional cost.
- Consider purchasing a separate trampoline insurance policy. This type of insurance policy will cover you for trampoline-related injuries, even if your homeowners insurance policy does not.
By following these tips, you can help to protect yourself and your family from the risks of backyard trampolines.
Do you have questions about your insurance? Find an insurance agent near you with our Agent Finder
Search All Blogs
Search All Blogs
Read More Blogs
More Than Just a Game: 5 Baseball Movies You Should See
Beyond the diamond: 5 baseball movies that will resonate with you.
The Unsung Hero: Insuring the Value of a Stay-at-Home Parent
Why life insurance is crucial for stay-at-home parents: Protecting your family’s financial future.
Hidden Factors That Impact Your Car Insurance Rates
Beyond the obvious: Factors that impact your car insurance rates.
Poolside Paradise or Poolside Pitfalls? The Realities of Owning a Home Pool
Thinking of buying a home with a pool? Consider these important factors.
Five Must-See American Landmarks: A Journey Through Engineering and History
Explore these iconic American landmarks: From the Gateway Arch to Mount Rushmore.
Small Business Marketing on a Budget: 8 Creative Strategies
Boost your business without breaking the bank: 8 affordable marketing strategies.
Is Your Auto Insurance Outdated? Time for a Policy Review
Save money on car insurance: It’s easier than you think.
How to Avoid Overpaying for Homeowners Insurance
Is your homeowners insurance costing you too much? Learn how to avoid overpaying.
Why Do Kids Love Dinosaurs So Much?
Unlocking the mystery: Why kids are obsessed with dinosaurs.
Exploring the Diverse World of Vegetarianism: A Guide to Different Types
More than just “no meat”: Discover the different types of vegetarian diets.