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    Personal Insurance Blog

    Will My Insurance Cover a Trampoline?

    Posted by Gordon Atlantic Staff

    Wed, Jul 10, 2013 @ 10:03 AM

    Know how your homeowners insurance agency deals with trampolines Andrew G Gordon Inc

    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)

    For a more detailed infographic on trampolines see https://trampolinefirst.com/trampoline-injuries/

    Trampoline Risks

    • 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

    Understand how trampolines affect home insurance with homeowners from Andrew G Gordon Inc MA

    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.

     

    Alternate Solution

    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.

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    Tags: children, outdoors, safety, exercise, liability, outdoor safety, trampoline, liability claims, backyard, front yard, yard, spring safety, jumping, trampolines and insurance

    Liability Issues: Safety Around Your Home

    Posted by Donna Bellavance

    Wed, Apr 25, 2012 @ 05:52 PM

    Liability issues and claims are proving to be more costly than actual physical damage losses under homeowners insurance policies. 

    Be aware of the many hazards your home may have with personal and homeowners from Andrew Gordon Inc Insurance Norwell MAAccording to the Center for Disease Control there are 4.7 million dog bites each year, and 50% occur on the residence premises. According to the Insurance Information Institute, dog bites or dog-related injuries account for approximately 1/3 of all homeowner liability claims, and the average cost is more than $37,000. Carriers often decline writing coverage if there are particular breeds within the household, such as Bull Dogs, Pitbulls, German Shepherds, Akitas, Rottweilers, Doberman Pinschers, Siberian Huskies, and others that may exhibit aggressive behavior or have previously had a biting history.  Some companies may accept such a breed if they are provided evidence of the dog’s participation in an obedience training course.

    Another major issue of concern for homeowner carriers are swimming pools, since drowning is the leading cause of fatal injury to children between the ages of 1 and 4. Homeowners are required to comply with local regulations regarding the pool such as fencing and locked gates.  It is also worthwhile to note that homeowners can be held liable for injuries to strangers using their pool without permission.

    Trampolines account for over 100,000 emergency room visits per year according to the Consumer Product Safety Commission. Companies can refuse to provide coverage for homes that have trampolines on the premises or may place exclusion clauses or require safety measures, such as nets surrounding the apparatus.

    trampoline pic

     
    The National Safety Council has reported that falls account for 26% of injuries and deaths in the home. Approximately 2.8 million children were treated in the emergency room last year for fall injuries. Tree houses have been the cause for many of these injuries due to the height of these structures, so carriers may exclude or decline coverage, or apply a surcharge for these risks. 


    Homes with guns on the premises increase the risk of homicide by 40% according to the New England Journal of Medicine. Insurance companies require that guns remain properly secured with safety locks and kept out of the reach of children.

    Heating fires account for approximately 36% of home fires. Since many insurance customers use wood stoves as a secondary source of heat, companies now require proof that these were properly installed, adhere to town building codes, and have been inspected.

    Other causes of potential declination of coverage are the presence of zip-lines and exotic pets at the home.

    Homeowners (and renters!) should make it a point to discuss with their agents if any of the above situations apply to them. It is not worth jeopardizing coverage or having a liability claim denied if the carrier was never made aware of all exposures. To discuss your own liability safety, call a Gordon Atlantic Insurance professional toll free at 1-800-649-3252. Prefer to type versus talk? Click below!

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    Tags: home, dog, fall, safety, homeowners insurance, insurance, massachusetts, liability, animals, trampoline, pool, agent, tree house, gun, fire places, wood stove, zip line, swimming, bite

    Spring Risks & Safety Tips

    Posted by Donna Bellavance

    Mon, Apr 02, 2012 @ 05:18 PM

    Keep your kids safe from backyard accidents with homeowners from Andrew Gordon Inc Insurance Norwell MA

    With spring right around the corner and outdoor activities on the rise, it is important that homeowners be aware of the potential for backyard accidents to occur.  Keeping in mind the millions of people that are injured annually in household mishaps, below is a list of recommendations pertaining to equipment utilized daily by all of us. Keep these tips in mind when enjoying the warmer weather:

    Ladders

    Whether cleaning the gutters or doing some painting touch-ups, make sure the ladder base is not too close to the supporting object; the ladder’s stability will be compromised. Most ladder injuries occur from overreaching or standing on a rung that’s too high, so if it’s out of reach, reposition the ladder and try again.

    Grills

    Although it seems unlikely that anything unpleasant could come from a device that gives us hot dogs, remember that a grill is a fire hazard that should be kept at least 3 feet from the house. Smokey the Bear, a fire and woodland damage consultant for A. G. Gordon, would also suggest that you NEVER leave your grill unattended.

    Lawn Mowers

    Before you begin the time-honored battle of nature vs. machine known to most as “mowing the lawn”, take a walk around your yard and clear any debris. Lawn ornaments deep in the recesses of unkempt grass are a lot less cute when they are ejected from a lawnmower at dangerous speeds. Some other good practices include: shutting the lawnmower off when reaching down anywhere near the ground and keeping children away while mowing.

    Playground Sets

    Monitor children at all times. Make sure equipment is not too high for their ages. The rule of thumb: no higher than 6 feet for ages under 5, 8 feet for school age children.

    Trampolines

    Do not let the trampoline become overcrowded. Trampolines have weight limits, and any activity where one has to avoid the flying bodies of others is generally a hazardous environment for kids. Somersaults and tricks should be discouraged, especially with other children on the trampoline.

    Pools

    If you have a gate, make sure it’s locked when the pool isn’t in use. NEVER let young kids go in the pool unattended.

    Pets (not equipment, but still important)

    Watch out for dangers from the pesticides and fertilizers used in yards and gardens as well as being poisoned by eating certain plants, such as oleander, azaleas, and lilies.

    After your spring activities, check us out at www.agordon.com. We have excellent insurance resources like our whiteboard videos if you’re in the market, or even if you’re just curious. Learn more about homeowners insurance here

    Home Quote Request  

    Donna Bellavance

    Tags: house, home, children, grill, outdoors, safety, games, ladders, playground, gardening, life, insurance, shopping, homeowners, trampoline, spring, tips, activities, lawn, mower, pool

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