Why Trampoline Fun May Not Be Insured Under Your Homeowners Policy

Ah, the joys of summer. As healthy as summer and after-school activity is for your kids, there’s a clear downside in some ways.

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What could be wrong with a little old-fashioned fun? The insurance industry has apparently turned the question around from all angles. When it comes to fun with the potential for danger, experts say, the risks may be too great for the likes of a related company.

So trampolines, that device that allows your kids to jump until their energy runs out and then go for some more, may not actually be included in the terms and conditions of your home coverage policy.

Now, don’t just take what this article says as proof. Go ahead and check the facts for yourself. But please do your research before you buy one or use it because if you find it’s excluded, you won’t be protected in case of injury liability!

Read your policy carefully.

Is your trampoline covered? If you don’t see any exclusions listed on trampolines, you have a green light to use them. If an associated accident were to actually occur, you will have the protection from the influence of insurance that will generally pay for the damages you are responsible for in the event a lawsuit is determined.

But what if your trampoline is conditionally covered? If you are confused about the question, let us explain.

Some insurance companies will include trampoline coverage under the terms and conditions of a homeowner’s policy only if specific safety issues are addressed. This means that your coverage depends on the installation of a network fence or the installation of similar preventative equipment.

So, we come to a situation where an insurance plan does not cover the trampoline at all. Please read the policy conditions carefully to see if such an item is excluded from coverage. If you still intend to own a trampoline, don’t buy or use one until you’ve purchased the proper policy that covers it. Keep in mind, however, that a homeowner’s plan that includes a trampoline will likely have higher premiums than one that doesn’t.

Certainly, discussing your particular case with a knowledgeable independent agent is the right way to approach the matter. In fact, consulting with an insurance agent who has your best interests in mind will empower you in your policy choice, giving you the right protection when you need it most.