Have you been thinking about getting a trampoline? Have your kids been bothering you to get one for that oh-so magical bounce? And if so, have you thought about how a trampoline purchase could affect your insurance?
Insurance companies tend to deny insurance to homes with trampolines because trampolines pose many risks, some severe, to many who use them. Every year, more than 100,000 injuries occur by trampoline, and approximately 20% of all spinal cord injuries are caused by trampolines. (Source: LiveStrong.com)
Jumping up and down on a trampoline can cause bodily injury, but some injuries can be very severe. Sprained ankles, broken bones, and even paralysis can result from a dangerous jump on the trampoline.
Trampolines vary in size, but generally they aren't that large. For parties or gatherings of other sorts, having too many people on a trampoline not only ruins the fun (less bounce), but also increases the risk that a jumper will get hurt. Since collisions are one of the most severe csuses of injuries, we recommend that only one person should use a trampoline at a time.
In the insurance world, trampolines are known as an "attractive nuisance." This means that uninvited guests, such as neighbors, have the ability to use trampolines without permission of the owner. If these unwelcome visitors get injured, they can still sue you for their injuries. Severe cases can get expensive.
Insurance and Trampolines
Whenever you switch insurance companies, or your first time buying a home, generally you will get a home insurance inspection. When you get an inspection, if a trampoline is found on your property you often will have two options: 1) Get rid of the trampoline or 2) lose your insurance.
Some carriers, however, now insure trampolines with safety nets. Call our office for guidance on this tricky issue.
You don't have to have a trampoline to have fun. If you're really itching for some jumping, try to find places such as SkyZone or any other indoor trampoline park. They have the trampolines for you. Yes, you will have to sign a waiver for your injury, but you do have attendants near every trampoline and the environment is much more controlled. Plus, you also get to keep your home insurance!
My personal recommendation would be to think long and hard about getting a trampoline. Nobody's going to stop you, but it's good to know what risks come with getting one. You should always check with your insurance agent BEFORE purchasing a trampoline: this way, you can know what you're getting yourself into.
Any other questions? Contact us. Or, read more about home insurance here.