Jane Dotson
Trampolines are a fun addition to any home but can be dangerous, with tens of thousands of children injured on them annually. This raises the question of insurance coverage. Home insurance companies approach trampoline coverage in various ways: always covered, covered under specific circumstances, or never covered. Progressive Insurance covers trampolines under regular homeowners' policies. However, some insurers exclude all coverage for trampolines, while others increase premiums due to the added risk. Trampoline owners may need to implement safety precautions to qualify for coverage. Ultimately, the cost impact of adding a trampoline to a Progressive homeowners insurance policy depends on the specific policy and the insurer's requirements.
| Characteristics | Values |
|---|---|
| Coverage | Progressive Insurance covers trampolines under a regular homeowner's policy. |
| Safety Precautions | Trampoline owners are advised to take safety precautions such as installing netting around the trampoline to reduce the risk of falling. Some insurance companies require safety measures to be eligible for coverage. |
| Liability | Trampolines are considered an "attractive nuisance," increasing the risk of liability claims. If someone is injured on your trampoline, your liability coverage may cover their medical bills and legal fees. |
| Premium Impact | Adding a trampoline to your policy may increase your insurance premium. |
| Exclusions | Some insurance companies may deny coverage or refuse to renew your policy if you have a trampoline. |
| Claims | If your trampoline is damaged or destroyed by a covered peril, your personal property coverage may pay for repairs or replacement, minus your deductible. |
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What You'll Learn
Trampoline safety measures
Trampolines are a great source of entertainment and exercise, but they can also be dangerous if safety rules are not followed. Here are some safety measures to consider:
Age Appropriateness:
Trampoline jumping is not suitable for all ages. Small children, including toddlers and kids under 6, should never use a trampoline due to their higher risk of injury. Kids ages 6 and older can use a full-sized trampoline with adult supervision, especially if they are younger than 10. Even older kids and teens should be cautious and avoid risky manoeuvres. Adults should also exercise caution, especially if they have any chronic health conditions or recent injuries.
Safe Setup:
When setting up a trampoline, choose a clear, flat area free from hazards like fences, trees, and other equipment. Place the trampoline on a soft, energy-absorbing surface like grass, sand, or wood chips to cushion falls. Avoid placing it on concrete or other hard surfaces without safety mats or netting. Ensure the ground is level, and create a safe fall zone of at least 8 feet around the trampoline. Round trampolines are generally safer than rectangular ones, which provide a higher bounce.
Safety Equipment:
Use protective safety pads to cover the trampoline's frame, springs, and hooks. Install a high safety net around the perimeter to prevent falls. Regularly inspect the trampoline for tears, broken fixtures, and worn-out padding, replacing them as needed. Remove objects underneath the trampoline before use, and ensure users don't wear shoes, socks, or clothing with embellishments that could catch on the trampoline.
Supervision and Rules:
Adult supervision is crucial when children are using a trampoline. Set clear rules, such as allowing only one person on the trampoline at a time and prohibiting stunts, flips, and somersaults. Ensure users don't have anything in their mouths, pockets, or hands that could cause injury during jumping. Teach safe landing practices, such as stopping bouncing, walking to the edge, and sitting or sliding off.
Insurance Considerations:
Trampolines are often considered ""attractive nuisances,"" increasing the risk of liability claims. Consult your homeowners insurance provider to understand your policy's coverage and any safety requirements. Some insurers exclude trampoline coverage, while others may require specific safety precautions, such as fencing or netting, to qualify for coverage. Be sure to notify your insurer and understand your liability in the event of an injury or damage caused by the trampoline.
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Liability and legal costs
Trampolines are considered a high-risk item, and insurance companies often exclude them from coverage. The presence of a trampoline on a property increases the risk of someone filing a liability claim, and insurance companies approach this in one of three ways: no exclusions, coverage under specific circumstances, or no coverage.
If your insurance policy covers trampoline-related incidents, your liability coverage may cover you up to your policy's limits if you're liable for someone's injuries from using your trampoline. Your liability coverage may also help with legal fees and court costs, including any settlement, if the injured party decides to pursue a lawsuit.
If your insurance policy does not cover trampoline-related incidents, you may be responsible for injuries or damages that aren't covered by your policy. You may have to pay out of pocket for medical and legal costs. In such cases, you may consider purchasing an umbrella policy, which can increase your liability coverage beyond that of your underlying homeowners policy.
It is important to notify your insurance company if you have a trampoline and to understand your policy's safety requirements. Some insurance companies require safety precautions, such as limiting the number of people using the trampoline simultaneously, installing netting, or putting something softer than concrete around it. Failure to comply with these requirements may result in a denial of coverage for trampoline-related incidents.
The cost of trampoline insurance varies depending on factors such as the type of policy, insurance company, coverage limits, location, personal history, and trampoline safety measures. While some insurance companies may raise your premium due to the increased risk, others may offer coverage with no additional charges. It is recommended to discuss with your insurance provider to understand how adding a trampoline will affect your insurance costs.
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Insurance claim denials
Trampolines are considered a high-risk item that significantly increases the risk of injuries. As a result, insurance companies often exclude them from coverage. However, some insurance providers do offer coverage for trampoline-related incidents, depending on certain conditions.
If you own a trampoline, it is crucial to notify your insurance company and understand the terms of your policy regarding trampoline coverage. Failure to disclose the presence of a trampoline on your property may result in claim denials or policy cancellation. Insurance companies may deny claims arising from trampoline-related injuries if the policyholder did not disclose the existence of the trampoline.
Some insurance companies may provide coverage for trampoline-related incidents under specific circumstances. These circumstances often include implementing safety precautions, such as limiting the number of simultaneous users, installing safety nets, or surrounding the trampoline with soft materials like mulch or sand. Compliance with these safety requirements is typically essential for maintaining coverage.
It is important to note that insurance policies may not cover trampoline-related injuries for the policyholder's family members. In such cases, the policyholder may need to rely on their health insurance to cover medical expenses resulting from trampoline accidents. Additionally, if the cost of a lawsuit exceeds the liability coverage limit, an umbrella policy may provide additional protection.
To summarise, trampoline coverage under homeowners insurance policies varies among insurance providers. Non-disclosure of a trampoline may result in claim denials or policy cancellation. Policyholders should carefully review their insurance policies and adhere to any safety requirements to ensure coverage for trampoline-related incidents.
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Premium increases
Owning a trampoline can increase the cost of your home insurance premium. Trampolines are considered a high-risk item, and insurance companies often exclude them from coverage. Those that do provide coverage tend to require additional safety features to qualify for coverage.
The additional premium cost for owning a trampoline can vary depending on the insurance company and the type of policy. Some companies will raise your premium if you notify them of a trampoline, while others may not charge any extra fees. The cost of trampoline insurance will depend on factors such as the type of policy, coverage limits, location, personal history, and safety measures taken.
If you fail to notify your insurance company that you own a trampoline, they may cancel or refuse to renew your policy. They may also deny any claims related to the trampoline. It is important to be upfront with your insurance provider about owning a trampoline to ensure you have the necessary coverage in place.
The safety measures required by insurance companies can include installing a fence around the trampoline's perimeter and putting a soft surface, such as mulch or sand, around it to reduce the risk of injury. Some policies may also require netting around the trampoline to prevent falls.
It is worth noting that even with insurance, you may still be held liable for injuries or damages that exceed your liability coverage limit. In such cases, you may need to purchase additional liability coverage or umbrella insurance to protect yourself financially.
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Coverage limits
Trampolines are considered a high-risk item by insurance companies, as they are associated with a significantly increased risk of injuries. This means that insurance companies often exclude trampolines from coverage, and those that do tend to require a range of added safety features to qualify for coverage.
If your insurance policy does cover trampolines, there are several types of coverage that may be included, each with its own limits.
Liability Coverage
If someone is injured on your trampoline, your liability coverage may cover you up to your policy's limits. This includes guests, as well as children who may use the trampoline without your permission. However, some policies may only cover injuries if certain safety precautions are taken, such as limiting the number of people using the trampoline or installing netting around it. It is important to review your policy's specific requirements to ensure compliance.
Personal Property Coverage
Your personal property coverage may pay to repair or replace your trampoline if it is damaged or destroyed by a covered peril, such as vandalism, theft, or a weather event like high winds or a hail storm. This coverage is typically subject to your policy's deductible and coverage limits.
Dwelling Coverage
If your trampoline is picked up by strong winds and causes damage to your house, such as breaking a window or siding, your dwelling coverage may cover the cost of repairs or replacement.
Other Structures Coverage
Similarly, if your trampoline damages other structures on your property, such as a fence or gazebo, other structures coverage may pay for the necessary repairs.
Umbrella Insurance
If you require more than the standard liability limit offered by your homeowner's insurance policy, typically $500,000, you may need to consider umbrella insurance. This can increase your liability coverage beyond that provided by your homeowner's policy, often starting at $1 million.
It is important to note that the specific coverage and limits for trampolines can vary significantly between insurance providers and policies. Therefore, it is essential to review your policy documents or consult your insurance provider directly to understand the specific coverage limits applicable to your trampoline.
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Frequently asked questions
Progressive Insurance covers trampolines under regular homeowners' policies. However, the cost of adding a trampoline to your policy depends on several factors, such as your location, insurance company, coverage limits, and safety measures. Some companies may charge $50 to $100+ extra per year, while others may significantly increase your premium.
The cost of adding a trampoline to your insurance policy is influenced by several factors, including the type of policy, your location, personal history, coverage limits, and safety measures such as netting or fencing.
No, Progressive does not offer separate trampoline insurance. Trampoline coverage is included in your homeowners insurance policy, and the cost of adding a trampoline to your policy will depend on the factors mentioned above.
If you don't inform Progressive about your trampoline, your policy may be cancelled or non-renewed. Additionally, any trampoline-related claims may be denied. It is essential to notify your insurance company and understand the coverage and safety requirements for trampolines.
To reduce the risk of trampoline-related injuries, you can install netting around the trampoline to prevent falls. You can also limit the number of people using the trampoline simultaneously and ensure that children are properly supervised. Other safety measures may include fencing around the trampoline's perimeter and using soft materials like mulch or sand to reduce impact if someone falls off.
