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Is a trampoline accident covered under homeowners insurance?
Homeowner's insurance policies vary as far as coverage is concerned. There are multiple policy types ranging from very basic to very comprehensive. Normally the more a homeowner’s insurance policy costs, the more coverage afforded. An exclusion (with some companies) that still applies no matter what the cost is the “trampoline exclusion”.
One object companies are extremely afraid of are trampolines. Trampoline incidents are one of the leading causes of visits to the emergency room in the US. For this exact reason, many companies have placed “trampoline exclusions” in their policies to protect themselves from trampoline claims. This means if a homeowner has a trampoline and someone gets hurt on it, the company will not pay for damages. Thus opening up one’s personal assets to cover the damages or the legal defense costs associated with the claim. Companies with these exclusions don’t have a grandfather clause stating homes already with a trampoline are afforded the coverage. The exclusion applies across the board.
Homeowners need to be aware of this exclusion and take necessary action if a trampoline exists along with the exclusion in the policy. Please be sure to contact your agent to determine if your company has a trampoline exclusion clause in your policy. Don’t get caught after a claim occurs and find out there’s no coverage. Better to get rid of the trampoline rather than losing your house to a claim.
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