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How will have a trampoline effect at the expense of homeowners my insurance policy? In the US alone, the number of trampolines in use is about 3 million, meaning roughly 3% of all American homes have a trampoline somewhere on their property. Unfortunately, many of the 3 million trampolines will be responsible for numerous injuries. When you take into account that the estimated $ 280 million dollars a year is spent on insurance companies to treat injuries caused by the use of trampoline, the consumer can begin to understand why insurance companies are increasingly reluctant to insure homes with trampoline.
Trampoline related injuries tripled in the years 1991-1999, and in 1999 over 100,000 incidents hospital and emergency department were for trampoline related injuries. (Two-thirds of all injuries were in the age group 6-14.) Although 40% of all trampoline injuries are leg and foot areas, some injuries like paralysis have taken place and the resulting lifelong condition caused medical costs for treatment of these injuries and long care assistance to go far above the policy limits most homeowners insurance companies. In addition, the number of trampoline deaths since 1999 is 11
There is a down side of using a trampoline. There is also the option that is often overlooked. And although there have been numerous injuries due to the use trampoline, there are also many households that have a trampoline for many years, had almost daily use out of it, and never had a single injury. This home oversee trampoline function, set up some basic instructions for its use (number of people allowed to jump at once, no flip allowed, do not press, etc.), and have set up a safety net that prevented jumpers falling off the trampoline.
Trampoline manufactures have also done a lot in recent years to improve the safety of its product. Small, round units with padding covering sources and the availability of affordable net system all designed to help the user to avoid injury. (Of all the people I’ve talked to who have a trampoline, all insist that they would not be one if there was not a safety trampoline surround them.) There are also many health benefits associated with trampoline. In the age of video games and television, trampoline offers the opportunity to play in the sunshine, to take part in muscle building exercises, and encourages kids to do something together. And for some reason appeal does not seem to diminish, even after years of use.
“trampoline exclusion”
Many homeowners insurance policies contain what is called a “Trampoline Exclusion” clause. If you have homeowners insurance policy with them they will cover liability for injuries occurring to others while on your property, but they will not reach trampoline related injuries. If you have set up your trampoline after you purchased homeowners insurance policy, you can not know if you have coverage. Most insurance companies in their paperwork to ask if you have a trampoline on your property.
With some insurers this is the case and they may ask you to remove the trampoline or insurance policy canceled. Also, if a guest is injured while jumping on a trampoline computer, and you are unsure whether you have liability insurance coverage in this area, you can find out the hard way that you are responsible for some hefty medical bills. It would be best to find out now, and not leave it and take the necessary measures to maintain financial responsibility.
“attractive nuisance”
Another problem with trampolines is that they are considered “attractive nuisance”. Just like with the pool they “beg” to be tried out. People, regardless of whether the authorization has been given, are tempted to try them out. You may even have signs warning against trespassing, but if someone ignores the warnings, jumping on the trampoline and injurers themselves, you may be subject to lawsuits. (I know, go figure.) You can not be responsible for the court, but the cost of going to court and legal fees still means that the insurance company has paid out some big bucks and this is another strike against the use of backyard trampolines.
MAJOR homeowners insurance companies and policies of trampolines
Although there may be certain variations from state to state, Allstate, Farmers Insurance, and SF Insurance have three basic methods trampoline for discussion.
Farmers Insurance – homeowners with trampolines MAY BE denied coverage
In Pennsylvania, trampolines owners can not get coverage through Farmers Insurance. Other states have different parameters and the call to prayer will let you know if they will give you coverage and what education could be attached to the policy.
Allstate – Discussion with certain safety instructions instead of
Allstate offers coverage as long as certain precautions are followed. their strategy requires trampoline safety net of being let it also be located within a fenced enclosure that is at least 4 feet high. The gate to the fence must also have a lock on it and lock to be in use.
SF Insurance – NO EXCLUSION
The standard homeowners policy, there are no exceptions for trampoline owners.
By just above are the three major insurers, which are: many more along with smaller independent insurance It shouldnt be considered as Homeowners insurance . The important point is to make sure that homeowners policy covers liability costs for trampoline related injuries. If not, then it’s time to start shopping again.
Whether homeowners insurance policy already covers trampolines or not – it is always a good idea to shop around every 6 months and compare the top companies side by side. Be sure that you do not have to pay more for homeowners insurance coverage than you.
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Source by James J. Robinson