Being the child of an insurance agent can’t be fun. There are dangers lurking around every corner. Last year, our daughter Olivia begged Santa for a motorized scooter. Matt (aka the fun spoiler) said, “No! Those aren’t covered by off premise liability.” This Spring, Grandpa Wayne wanted to buy her a cool, ridiculously large 4-wheeler. Guess who did not get the 4-wheeler.
And just when she thought it couldn’t get worse, the American Academy of Pediatrics is backing dear old Dad on his extreme dislike for trampolines. Trampolines! They seem so safe now. They aren’t like the rusty trampolines from when I was a kid (wait – does that statement make me seem old?!?!). They have safety nets, and padded sides – they must be safe.
Unfortunately, an updated report by the American Academy of Pediatrics (AAP) cautions against home trampoline use, and provides updated data on the number of and types of injuries caused by trampolines. They state that an estimated 98,000 trampoline-related injuries in the U.S. each year, resulting in approximately 3,100 hospitalizations.
This, of course, is seriously reviewed by all Insurance providers, since trampolines are viewed as a hazard. There are three ways in which your Homeowners Insurance Policy will cover trampolines (Of course, discuss this with your licensed Insurance agent to make certain - if you have a trampoline - that you are properly covered):
1) No Exclusion - This means that an insurance company doesn't place any restrictions on trampoline ownership or usage in accordance with your Homeowner's Insurance Policy.
2) Coverage with Safety Precautions - An insurance company may include coverage if you have pads to cover the trampoline springs, a net enclosure for the sides, and/or a fenced-in yard with a gate and working lock.
3) A Trampoline Exclusion - Some Homeowner's Insurance Policies may not cover trampolines at all. That means if you, your kids, or the neighborhood kids get injured on the trampoline, the insurance company is not liable for those trampoline-related claims. It may also mean that adding a trampoline results in non-renewal of your current policy.
As always, please don’t hesitate to give us a call at #815-485-6676 with any questions or comments. We always love to hear from you.
The Langlois Insurance Agency Team of Professionals