Trampolines are a great addition to any home. Every member of your family, no matter what their age, can use your trampoline for fun and get a great workout at the same time. It certainly beats sitting inside and watching TV. However, if you own a trampoline in Florida, you need to make sure you protect yourself. Florida homeowners insurance for trampolines is a necessity to make sure your fun outdoor activity doesn’t quickly become a liability.
Trampolines and Homeowners Insurance
The truth is that, while trampolines may be great for your health and family fun, they don’t tend to do well with home insurance. That’s because using a trampoline incorrectly can easily result in injury especially for children and that’s exactly how far too many people use them. Many owners also use a trampoline without a safety net which is just asking for trouble. More injuries will occur without the use of a safety net. As a result, claims due to trampolines are continuously on the rise and the payouts tend to be sizeable. Keep reading below to find out what else can go wrong when you purchase a trampoline.
What Can Go Wrong
There are a number of things that can go wrong with a trampoline which is why Florida homeowners insurance for trampolines from this website is so important. As you might expect, many people have fallen off trampolines and ended up breaking their necks or taking on some other type of injury. It’s not a huge number, but enough to get the insurance companies scared.
However, trampolines can also be considered an “attractive nuisance.” This means you can be liable for injuries someone else incurs even if that person wanders on your property without permission.
Obviously, though rare, injuries incurred while on a trampoline can be dangerous. Some, however, can be life-altering. When that happens, insurance companies are on the hook for several hundreds of thousands of dollars at least.
Certainly something like your home is a liability in at least as many ways when you consider how many things can go wrong with it. But, unlike your home, trampolines can attract kids from miles, meaning liabilities quickly stack up.
So If I have a Trampoline, I Can’t Get Insurance?
Not necessarily. It will just be more difficult than you think. When it comes to Florida homeowners insurance for trampolines, the provider may decide to decline you coverage altogether. However, they may also decide they’ll provide you insurance, but with an exclusion clause. This means they’ll insure your home as normal, but exclude the trampoline—that’s all yours. So if someone gets hurt on it, you have to cover it.
Other times, there may be stipulations. You may have to pay extra for a “nuisance surcharge.” They may insist you enclose the trampoline on all sides with a net to ensure better safety.
What If I Already Have a Policy?
Unfortunately, if you already have a policy from floridainsurancequotes.net/florida-homeowners-insurance, you could be out of luck. That’s because they’re taking all the risk if you decide to put a trampoline on the property. So be sure you clear your purchase with them first before spending any money.
While trampolines can be a tremendous source of both fun and exercise, it’s important you do your research related to insurance first before buying one.