Trampolines: Fun and Games Until Someone Gets Hurt…and Your Homeowners Insurance Won’t Cover It

Trampolines: Fun and Games Until Someone Gets Hurt…and Your Homeowners Insurance Won’t Cover It

Trampolines: Fun and Games Until They Aren’t

Backyard trampolines are a fun and popular way for families to get exercise and enjoy the outdoors. However, they can also be a serious safety hazard. According to the American Academy of Pediatrics, trampolines are the leading cause of emergency room visits for children under the age of 6.

Trampoline-related injuries can range from minor bruises and sprains to broken bones, head injuries, and even paralysis. In some cases, trampoline injuries can be fatal.

Many homeowners insurance policies exclude coverage for trampoline-related injuries. This is because trampolines are considered to be an “attractive nuisance,” meaning that they pose a danger to children who may be drawn to them, even without the homeowner’s permission.

If you have a backyard trampoline, it is important to check your homeowners insurance policy to see if you are covered. If you are not covered, you may want to consider purchasing additional coverage.

Here are some tips for safely using a backyard trampoline:

  • Only allow one person on the trampoline at a time.
  • Supervise children closely at all times while they are using the trampoline.
  • Teach children how to jump safely, including how to land on their feet and avoid somersaults and flips.
  • Make sure the trampoline has safety nets and padding.
  • Keep the trampoline in a safe location, away from trees, fences, and other hazards.

If you are considering buying a backyard trampoline, weigh the risks and benefits carefully. If you do decide to buy a trampoline, be sure to take steps to minimize the risk of injury.

Additional tips for homeowners insurance:

  • If you have a trampoline, let your insurance company know. They may be able to add a trampoline exclusion clause to your policy, which will protect you from liability if someone is injured on your trampoline.
  • If you are shopping for homeowners insurance, be sure to ask about coverage for trampolines. Some insurance companies may offer coverage for trampolines at an additional cost.
  • Consider purchasing a separate trampoline insurance policy. This type of insurance policy will cover you for trampoline-related injuries, even if your homeowners insurance policy does not.

By following these tips, you can help to protect yourself and your family from the risks of backyard trampolines.

 

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