That backyard trampoline may sound like a great idea for the kids. They’ll get some exercise, fresh air, and they may get away from video games for a while. But before you invest in that trampoline you may want to have a discussion with your insurance agent. You see, trampolines are risky business and companies handle them in several ways.
- If your homeowners insurance policy has “no exclusions” then there are no limitations to the coverage on a trampoline.
- Your policy could have “Coverage with Safety Precautions”. This means that your policy would cover the trampoline under your homeowners policy provided certain safety procedures have been taken. This could include padding, a trampoline fence, or a fence around your backyard.
- Your homeowners insurance could include a “Trampoline Exclusion”. That means your kids and the neighbors children would not be covered under your homeowners insurance policy. It could also be cause for non-renewal of your policy.
If you add anything to your backyard including a playhouse, treehouse, pool or trampoline, make sure you are covered by contacting your insurance agency. At Gant Insurance Agency we are more than happy to help answer your insurance question. Contact us today. Gant Insurance Agency is based in McKinney, Texas and is pleased to serve the Lone Star State.