Does Homeowners Insurance Cover Trampolines?
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Jumping on a trampoline is a fun activity for children, but it also poses a high risk of injury that might require additional insurance.
When you’re a kid, there aren’t many things better than a trampoline. But when you get older, reality starts to sink in. Trampolines may still be fun, but you start to see them from a more realistic side, and that realistic side is pretty pessimistic.
Trampolines are dangerous. There’s simply no way around that. They’re dangerous, and thus a liability anytime you let someone use yours. That’s where insurance companies come in. It goes without saying that insurance companies are wary of anything that can be dangerous, and just because you’re responsible doesn’t mean they know that.
So, how do insurance companies feel about trampolines? Does a homeowners insurance policy cover a trampoline? Read on to find out everything you need to know.
Does homeowners insurance cover trampolines?
This might not be the answer you were hoping for, but it's the truth: sometimes. Homeowners insurance policies sometimes cover trampolines. It depends on your insurer and your plan, and on how a trampoline is listed.
Sometimes a trampoline will be insured only as personal property, meaning a homeowners insurance plan will cover the cost if damage occurs to the trampoline, but not the liability if a person is injured on it. And sometimes a trampoline will be insured, but it will raise your premiums.
It all depends on your plan. It’s common for trampolines to be covered on your homeowners insurance, and also equally common for them to not be.
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There are sometimes stipulations
Oftentimes if trampolines are included in a homeowners insurance plan, it comes with stipulations. These stipulations are based around making the trampoline as safe as possible to limit how dangerous the toy is.
Usually the stipulations are physical. The most common one is that you have to have a protective net or barrier around the trampoline. Another common one is that the trampoline has to be placed on a soft surface, and not on top of wood or concrete.
Some of the stipulations refer to use. For instance, an insurance policy may mandate that only one person can be on the trampoline at a time, or that children cannot be on the trampoline without adult supervision. Often there's a minimum age for children on the trampoline.
What is an attractive nuisance?
You might see trampolines listed on your homeowners insurance plan as an "attractive nuisance." Depending on your situation, a trampoline may or may not be listed as such. So what does that mean?
An attractive nuisance is a term for items that children are attracted to, but that pose a danger that the kid might not realize. Depending on where you live and your insurance company, attractive nuisances may raise your insurance premium, or simply be excluded from what is covered in your policy.
Can you still have a trampoline if your insurance policy doesn’t cover it?
Even if your homeowners insurance doesn’t cover trampolines, you can often still have them. However, it depends on your policy. Many homeowners insurance companies won’t issue a policy if you have a trampoline.
The reason for this is simple: If you have a trampoline, you’re more likely to have a serious injury on your property. And even if the policy doesn’t cover trampolines, you could try and lie about the cause of the injury when filing an insurance claim, and the company would have a hard time proving that your claim isn’t valid.
If you want a trampoline, contact your agent
If you’re thinking of getting a trampoline, be sure to contact your insurance agent. If your policy doesn’t allow for trampolines, then you could have your policy voided without knowing it, just by purchasing this toy.
So, call your insurance agent and make sure you’re allowed to have a trampoline, then find out if it’s covered under your plan, and if there are any stipulations.
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