Trampolines and Homeowner’s Insurance

You may ask: What do homeowner’s insurance and trampolines have in common? Well they kind of go hand and hand.  If you have a trampoline on your property you should consider upping the coverage amounts on your homeowner’s insurance policy.

Trampolines are fun. The house that has a trampoline that bounces the highest is always the most popular house on the street. Many childhood memories are of summer days bouncing around or having sleepovers on the fun contraptions.  Unfortunately, with all that fun, a lot of accidents and injuries happen.

Trampolines have come a long way in terms of safety in the last 10 years.  Some are now “spring free” or caged in so children don’t go bouncing off of them.  Many homeowner’s install their trampolines below ground to reduce the chance of injury.  While all these improvements are great, injuries and accidents still happen and can end up costing homeowner’s thousands of dollars in medical bills.

The most common injuries caused by trampolines at home are sprains, bruises and soft tissue injuries but they can also cause major fractures and concussions.  Trips to the doctors can add up and our wallet can start feeling lighter.

If you have a trampoline on your property consider purchasing more liability coverage on your homeowner’s insurance policy.  It could help you pay for the inevitable medical bills that you’ll have to pay for your children, their friends or even yourself. We’re not saying get rid of your trampoline, because we’d love to come over and use it, but just think twice about how much those fun contraptions could end up costing you in the future.

Call a Vern Fonk homeowner’s insurance specialist today to learn more about increasing your coverage amounts on your hazard insurance policy.