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How is a trampoline on the cost of my homeowners insurance? In the U.S. alone, the number of trampolines in use is about 3 million, which means that about 3% of American households a trampoline somewhere on their property. Unfortunately, many of which 3 million trampolines are responsible for numerous injuries. When you consider that an estimated $ 280 million U.S. dollars per year is spent by insurance companies for treatment of injuries caused by trampoline use, the consumer can begin to understand why Insurance companies are increasingly reluctant to ensure houses with a trampoline.

Trampoline injuries tripled in the years 1991-1999, and in 1999 over 100,000 cases of hospital emergency room were used for trampoline injuries. (Two-thirds of all injuries were in the age group 6-14.) Although 40% of all trampoline injuries are responsible for the leg and foot area, some injuries such as paralysis occurred and the resulting life-long condition, the medical costs of treating these injuries and the long Pflegehilfe to go far beyond the political borders, which by most homeowner insurance policies. In addition, the number of deaths relating to trampoline since 1999 is 11

That is the definition of trampoline use. It is also an upside, which is often overlooked. And although there are many injuries as a result of trampoline use, there are also many households who are in possession of a trampoline for many years, get almost daily use of IT, and never had a single injury. These houses have oversight trampoline activity, some basic guidelines for the use (number of persons permitted to go directly to a time that does not allow, no pressure, etc.) and have installed a safety net that prevents jumpers from which the trampoline.

Trampoline manufacturers have also done much in recent years to improve the safety of their products. The smaller, round with padding for the springs and the availability of affordable NET system are all to the user to avoid injuries. (Of all the people with whom I have spoken to own a trampoline, all insist that they do not own, if it is not a safety net, accompanied by their trampoline.) There are also many health benefits associated with the trampoline . In the era of video games and television, a trampoline provides an opportunity to play in the sun, in exercising muscles, and encourages the children to do something together. And for some reason, his complaint appears to be sustained, even after many years of use.

"" TRAMPOLINE exclusion ""

Many homeowner insurance contain what is called a "trampoline exclusion" clause. " If you have a homeowners insurance with them, they will be liable for injuries caused to others and on your property, but they will not be used for trampoline injuries. If you bought your trampoline after homeowner insurance, you can not know whether to be preserved. Most insurance companies in their paperwork to ask whether you have a trampoline on your property.

For some insurers, this is a problem, and they can give you the option of the trampoline or your insurer canceled. Even in the event that a guest injured while jumping on the trampoline, and you are unsure whether you have liability coverage in this area, you can find out the hard way that you are responsible for some high medical bills. It would be best to find out, and not after the fact and take the necessary steps to establish financial responsibility.

"" Attractive Nuisance "

Another problem with trampolines is that they act as an "attractive nuisance". Just like with a pool they "beg" to be tried. People, regardless of whether permission has been granted, may be tempted to give them a try. You can also use the signs warning against trespassing, but if someone ignores the warnings, jumps on the trampoline and injurers, you can cause a dispute. (I know, go figure.) You can not be found liable in court, but the cost of going to court and attorney's fees still means that the insurance has to pay some money, and this is another blow against the use of backyard trampolines.

MAJOR homeowner insurance companies and their policies on trampoline

Although there are certain deviations from state to state, Allstate, Farmers Insurance, SF and insurance companies have the three basic approaches to cover trampoline.

Farmers Insurance - Homeowner WITH trampolines can be denied COVERAGE

In Pennsylvania, the owner of trampolines can be no coverage by Farmers Insurance. Other states have different parameters and a call to farmers will inform you if you collect and what qualifications might be for policy makers.

Allstate - COVER WITH CERTAIN SAFETY PRECAUTIONS IN PLACE

Allstate offers coverage for as long as certain safeguards are met. Their policy requires that the trampoline to add by providing a "safety net" and that even in a fenced enclosure that is at least 4 meters high. The gate to the fence must also be a lock on, and the lock must be used.

SF Insurance - no exclusions

After a traditional homeowners policy, there are no exceptions for trampoline owners.

These are only three major insurers, but there are many more with smaller independent insurance companies should be responsible for homeowners insurance. The important point is that you make sure your homeowners covers liability for trampoline injuries. If not, then it is time to start shopping again.

Regardless of whether your homeowners insurance already trampolines or not - there is always a good idea, everyone 6 months and compare prices top companies side by side. Be sure that you do not pay more for homeowners insurance than you should.

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