Does homeowners insurance cover trampolines

Answer 1

Some may but in general they are considered exposures to risk and will be excluded or your coverage may even be canceled. You will need to speak with an agent or agencies in order to find a company that will accept a trampoline risk.

Answer 2

Trampolines have become a big issue in the last few years with insurance companies. I currently do not know of any companies that will write a regular HO-3 home policy if they know you have a trampoline. All standardized homeowners applications ask the question if you have a trampoline or not. The reason for this is the amount if risk you have from children who are friends of your children coming over to your home and being injured on the trampoline. Injuries can be extremely large as may children have been killed, broken the necks and become paralyzed, and also received many other broken bones and smaller injuries. Attorneys have taken advantage of showing how negligent you were by allowing these children to play on the trampoline and causing these accidents. Jury awards can be extremely high and it has become a feeding frenzy. If you do not tell your insurance company the truth about owning a trampoline then coverage will most likely be denied and you will be left facing these legal costs, medical bills, and perhaps lifetime earnings for these children who were injured on what you thought was a normal outside toy for your child.

Answer 3

Almost none will allow it. If you find one that will it will probably cost you more to add the coverage than the cost of your entire policy for your home. Trampolines have a near 100 percent accidental injury rate.

Answer 4

Typically Trampolines and resulting injuries are not covered under your homeowners insurance policies. Most companies automatically exclude coverage for damages and injuries arising from the ownership of a trampoline.

Most companies will also schedule your home insurance policy for cancellation if they discover that a trampoline is located on the property.

Answer 5

Chubb & Safeco. Must be in a fenced yar.