Does Your Homeowner’s Insurance Cover Trampolines?
Thinking of buying a trampoline this summer? Here’s what you need to know about your insurance coverage. Trampoline injuries are extremely common, nearly 100,000 injuries per year on average. The frequency of occurrence and high costs related to these type of injuries have resulted in many insurance companies refusing to cover trampoline injuries. So before you buy, you need to make sure you are covered.
Some policies are general and do not specifically list coverage conditions. Others might have a statement requiring certain safety provisions to cover trampoline use, and many policies deny coverage for trampoline use and injuries outright.
The best type of coverage to protect both you and any other parties who may be using your trampoline is liability insurance. This type of policy will protect you if a neighbor, friend or any third party user is injured on your trampoline. That being said, it is very difficult to get liability coverage specifically for trampoline use. Many policies don’t include it or increase your premium to provide it.
The bottom line is that you should check with your homeowner’s insurance before buying a trampoline to be certain of what your coverage is and what the real risks are in owning a trampoline.
If you have been injured as a third party on someone else’s trampoline, you might be entitled to compensation. Contact our office for a FREE consultation.