Trampolines…. An Insurance Company’s Worst Nightmare
So you have a trampoline. That’s great. But you wonder why your insurance company cares and why they charge you extra for having it, even with a net. As both an insurance agent and a fan of trampolines, I am here to explain.
Your homeowner’s insurance covers you for liability, including damage that you cause that you are legally obligated to pay for. If it is your trampoline doing the damage, it is on you.
First, and perhaps most obvious, is the chance of harm to the people using the trampoline. Even with a net (which really is incredibly important), it’s easy to get hurt on a trampoline. I have a friend who was 24 years old and broke his leg on a trampoline from landing wrong, so it really can happen to both kids and adults. If the damage is severe and the kid is not yours, you may be on the hook for some pretty hefty medical bills.
Second, and less obvious, is the property damage trampolines can do. Let’s face it, New Mexico winds are not something to be taken lightly. And they definitely can get strong enough to pick up a trampoline and throw it into the next house over (trust me, I’ve seen it happen). The fence it knocks over, the window it breaks, the car it dents? All on you. Or rather, all on your insurance.
So when you see the surcharge on your policy, these are just some of the reasons. Hopefully nothing ever happens and no one ever gets hurt. But that’s what you have the insurance for, right?