Does homeowners insurance cover trampolines?
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Trampolines are a common feature of backyards, providing endless hours of entertainment for children and even adults. Although trampolines are a popular form of entertainment for kids (especially for high-energy youngsters), it’s important to know that having one comes with risks and dangers, as well as insurance considerations.
With trampolines, the injuries can be costly; trampoline and homeowners insurance have an important relationship because of this. The rates of trampoline injuries are similar to swimming pool accidents. Over 1 million emergency room visits over 10 years were due to home trampoline use. The American Academy of Orthopaedic Surgeons (AAOS) found fractures and dislocations accounted for 44% of home trampoline injuries.
You may wonder if you need trampoline insurance or find yourself asking “how much does trampoline insurance cost” — this article explores what you need to know about trampolines and insurance.
Does homeowners insurance cover trampolines?
Home insurance companies generally have mixed rules regarding coverage for trampolines. The risk of injury is high — a bad fall off a trampoline can easily require a visit to the emergency room. Although it may vary by provider, don’t assume your home insurance covers injury liability or medical costs associated with trampolines. Additionally, damage caused by your trampoline in the event it is blown into a fence or building by strong winds, for example, would likely be accounted for separately under various home insurance coverages. Notify your insurance company about the new addition to your yard right away to learn what specific damages or injuries would be covered by your policy. You may need to increase liability limits or add a Personal Umbrella Policy (PUP) to ensure you are protected.
Regardless of who you’re insured with, your best bet is to call and ask about your options. Nationwide Insurance includes trampolines in their coverage, but requires added safety measures, such as a high net and preventing access by placing it in a fenced area to reduce the risk of injury. Allstate explains that trampoline coverage depends on your state. Additionally, Allstate indicates that different carriers may have specific exclusions or exceptions for trampoline related damages or injuries.
When are trampolines covered?
In general, trampolines themselves are covered if they are lost, stolen or damaged due to covered perils. The coverage issue comes into question more so when there is a home insurance claim for an injury caused while someone was playing on the trampoline, or in the event storms blow the trampoline elsewhere, causing damage. Here’s a closer look at some scenarios and why coverage would or would not apply:
|A hurricane or high winds blow the trampoline into someone else’s property, causing damage||Property damage, Dwelling A||—|
|A visitor injures themselves playing on the trampoline||—||Attractive nuisances clause|
|The trampoline breaks while someone is jumping on it||—||Deferred maintenance|
|The trampoline was stolen or vandalized||Replacement covered under property damage, Dwelling A, if the trampoline was added to your home coverage||—|
|Someone used your unsecured trampoline without your permission and was injured||You didn’t take the measures to secure the trampoline, such as installing a high safety net|
When are trampolines not covered?
American Family Insurance explains that sometimes coverage is excluded because a trampoline is considered an “attractive nuisance.” Similar to a swimming pool, trampolines attract kids but come with dangers. As the homeowner, the attractive nuisance of a trampoline is your responsibility, even if kids used the trampoline without your permission.
Unless you notified your homeowners insurance company in advance about the new trampoline, someone hurt while playing on one may not be covered. In fact, your insurance coverage may be canceled if you fail to let your insurer know about the trampoline and then need to file a claim. The insurance company will say you’re canceled because you “misrepresented” yourself.
Trampolines vs Treehouses
Trampolines and treehouses are similar in terms of coverage nuance; they can be both considered attractive nuisances. Kids are drawn to them like magnets, but they come with dangers that young children may not be aware of. These types of home additions (pools included) may come with liability limits or specific exclusions. Many insurance companies recommend adding a personal umbrella insurance policy that raises the low limits insurers set for high-risk items. You could get umbrella coverage of $1 million or more to step in if your basic liability coverage amount is exhausted by an incident involving a treehouse or trampoline, for example.
How much does trampoline insurance cost?
Although home insurance coverage for trampolines might be referred to as “trampoline insurance,” it’s not its own form of insurance. If you need to add a trampoline to your existing homeowners insurance because it’s specifically excluded, you may need to pay to add it as an endorsement. Typically, this type of accessory endorsement would not add a significant cost to your premium.
- Injuries or damages caused by a trampoline aren’t always automatically included in your home insurance policy.
- Trampolines, tree houses and swimming pools are all often considered attractive nuisances, meaning kids are attracted to them but they come with dangers. Even if someone is hurt after using one without your permission, you’d be responsible.
- If you own a trampoline or plan on purchasing one, you must notify your home insurance company.
- You may need to add the trampoline as an endorsement to your home insurance coverage, or increase liability limits to ensure you are protected financially.
- A personal umbrella insurance policy increases your personal liability limits to account for the increased risk of injuries that happen due to trampoline use.
Insurance companies all handle coverage for trampolines (and the injuries or damages associated with them) differently. Even if your policy does include trampolines, there may be safety-related rules regarding them. You may need to properly secure the trampoline in a fenced yard and install a high net to prevent bouncers from falling out.
It’s better to be safe than sorry and make sure you’re well informed about your exposure to liability when you install one in your backyard. Contact your insurance agent or home insurance company for guidance. You may need to pay to add the trampoline to your coverage or purchase a personal umbrella insurance policy. Fortunately, the minimal cost of trampoline insurance shouldn’t put a damper on all the family fun.