Many are already thinking past the next few cold months and fantasizing about summer. Cook-outs in the backyard, lazy days reading in the shade of a tree, kids running through sprinklers and bouncing on the trampoline...
Hey -- you should buy a trampoline!
But not without talking to your insurance agent first. Trampolines are fun, for sure. But they’re also a major cause of injury. People can easily fall from the trampoline or fall on it badly, causing sprains, breaks, or even death. Because of the danger they pose, insurance companies treat trampolines a little differently than they do the rest of your property.
Your insurance company may have a no exclusions policy. This means that you are not restricted in trampoline ownership or use.
Some insurance companies will cover your trampoline, but only if you take safety precautions. They may require you to have a fence with a locked gate to keep curious neighborhood kids away when you’re not home. Safety pads over the springs or a net enclosure may also be required. Of course, you can further increase the safety of your trampoline by placing it in a safe place on soft ground away from structures, and supervising kids when they jump.
There are also the insurance companies that have a trampoline exclusion. This means that if someone is injured on your trampoline -- whether your child and his friends or the reckless teen who snuck in when you weren’t home -- your insurance company is not responsible for paying for medical care. Some homeowners with existing policies are also surprised when their policy is not renewed after a trampoline purchase.
So go ahead and fantasize about summer. But don’t let those fantasies push you into a trampoline impulse purchase without talking to your insurance company first. Please feel free to contact us with any questions.
J.K. Olivieri Insurance Agency, Inc. is an independent insurance agency founded in 1979 which represents a number of major insurance companies. Our mission is to protect our clients’ financial future. We feel our role as an insurance agency is to assist our clients in selecting the best possible programs to fill their specific needs. In doing so, we shall research and present our clients with the best possible programs available at the best possible prices.