Trampolines are fun, but they have a great risk to bodily injury associated with them. Thus, some homeowners’ insurance policies opt not to cover any injuries caused by trampolines and bounce houses. Below are some aspects of homeowners’ insurance, and tips on how you can protect yourself from trampoline liability.
Various Homeowners’ Insurance Policies
With respect to covering trampolines and bounce houses, your homeowners’ insurance policy may fall into 3 categories. Your policy will either:
- Provide trampoline coverage without additional safety requirements;
- Provide trampoline coverage, but require you to install certain safety equipment; or
- Not provide any trampoline or bounce house coverage whatsoever.
Furthermore, if you break the terms of your policy, your insurance company may drop you from coverage. An insurance company usually discovers violations of your policy when an insurance company representative goes to your house for a property inspection or if your neighbor notifies the insurance company.
Under the liability insurance of your homeowners’ insurance policy, the homeowners’ insurance will only cover injury or property damage caused and suffered by third parties. Thus, if your visitors are injured, then your insurance company will cover their injuries. However, if you or your family members are injured, then your insurance company will not pay. This means that you will be personally liable for your and your family’s injuries.
Obtaining Trampoline Liability Insurance
It is in the best interest of a trampoline owner to obtain liability insurance. Trampoline accidents are costly due to the hospital bills and potential bone fractures. Thus, the uninsured may go bankrupt in trying to compensate the victim for a trampoline injury.
Most liability insurance will not allow you to have a trampoline without any safety requirements. There is too much risk involved. Thus, you need to do your research and comply with the policy. If you are uncertain about your coverage, you may even need to have an attorney to look over your policy to insure that it will cover trampolines.
Consulting an Attorney
If you were injured by a trampoline or have a trampoline injury claim being filed against you, please consult a personal injury attorney. An attorney can help you figure out your rights with regard to the trampoline injury and assist you in dealing with the insurance company.