Homeowners insurance that lets you have a trampoline!?

Question

I want a trampoline and i also need homeowners insurance.This is when you tell me a company that lets you have a trampoline.

Answer 1

Nationwide Insurance will write a homeowner policy for someone with a trampoline, and a liability claim stemming from the trampoline is not excluded from the policy. The only stipulation for coverage with Nationwide is that the trampoline must be in a completely fenced-in area.

Answer 2

GET RID OF THE TRAMPOLINE.  They are extremely dangerous.  Look up trampoline injuries on the internet.  Some injuries I know about - an adult fractured his spine & is paralyzed, a toddler was killed by crawling under (nets wouldn't help here) - the person that was jumping didn't see the toddler, a seriously broken ankle, a fractured coccyx.

Should I go on???

There is a reason insurers won't insure people with trampolines, they have HIGH claims payouts.

Also, even if you have all of the waivers signed by people you KNOW will be jumping, it is an attractive nuisence, meaning, even if you are not home & post no trespassing signs, if someone trespasses & jumps & gets hurt, you are 100% liable.  You have no defense.

If you do not tell an insurance company about the trampoline & you have a claim (any claim - doesn't have to be trampoline related), coverage will most likely be denied & your policy voided for material misrepresentation.

So, tell your kids it is dangerous & get rid of it.

Answer 3

It depends on what state you're in.  I work for State Farm, they won't decline someone because of having a trampoline. They will if something has happened with the trampoline in the past, and if something does happen and you file a claim related to the trampoline, they will most likely cancel you once the claim is settled.

Like I said it depends on what State you are in, because every state has different insurance laws, and any company can register differently in each state (meaning their policies can differ from state to state, even if the state laws are the same)

Answer 4

A trampoline is just an accident waiting to happen. It's not "if"... it's "when".

If you decide to get one -- do not let anyone who is not a resident of your house hold use it.  

When they use it and get hurt - they can sue you. You can be held responsible for their injuries (esp minor children).

If you want to let others use it -- go see a lawyer. Pay him to draw up a waiver. Have the person who wants to use the trampoline sign the waiver. If the person who wants to use the trampoline is a minor - their parents (both) will have to sign the waiver. Then keep the waivers on file.  When the person hurts themselves, this may help protect you when you get sued. A lawyer can tell you better if this would help.

Most of the trampoline injuries I have received claims for - include broken teeth, broken bones (repaired w/ pins and plates).  These are major -- very expensive injuries.

If any member of your household gets injured on the trampoline - your home owners insurance will not cover that.

Personnaly, I would not have one. I don't want to open up myself to the law suit when someone takes a bad bounce (and no..... the nets won't prevent these injuries).

The fact that the home owners company does not want to insure you if you have a trampoline should be a tip off.

Answer 5

No companies I have ever worked with, will insure someone with a trampoline.  They are the second highest claim cause, and the highest claim dollars paid out.

Answer 6

Its gonna be hard to find one.  I have one company that will write homes with a trampoline exclusion signed.  It is Alliance Mutual.   Call an independent agent in your area and see if they can help you.  You will have more luck finding one that way.

Answer 7

You'll have to ask each company.  Some may cover it with a special additional rider.