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
Peace of Mind for Your Business: Key Moments When Insurance Pays Off
Business insurance: essential protection for common challenges.
Navigating Life Insurance: 5 Common Mistakes to Avoid for Your Financial Future
Avoid these 5 common mistakes when buying life insurance.
Your Car’s Health Check: A DIY Guide to Safety and Maintenance
Simple DIY car checks for safety and maintenance.
Budget-Friendly Home Upgrades: 4 Ways to Boost Your Home’s Value and Appeal
Boost home value on a budget with these 4 DIY upgrades.
From Cutting-Edge to Clutter: Modern Antiques Hiding in Your Home
Uncover the surprising “antiques” in your tech drawer.
Unlocking Customer Loyalty with Smart Data
Turn customer data into your business superpower.
Is There an Age Limit for Life Insurance? Understanding Your Options
The truth about age and life insurance eligibility.
5 Automotive Icons That Sounded Destined for Greatness
Uncover the powerful names behind legendary cars.
7 Surprising Facts You Didn’t Know About Home Insurance
Unexpected insights into the world of home and renters insurance.
Still Living in the Stone Age? 7 Signs You’re Resisting Technology
Uncover your tech resistance and unlock modern convenience!