Does Homeowners Insurance Cover Trampoline Accidents?

Does Homeowners Insurance Cover Trampoline Accidents

Those who own a trampoline often purchase this product because of the hours of entertainment that it can bring to both children and adults. The risks associated with this device are commonly known, and this is a primary reason why homeowners often have trouble getting a trampoline covered by the homeowner’s insurance policy. Before a homeowner tries to get their trampoline covered under their policy there are a few key facts they should know.

Number of Injuries

Homeowner’s insurance policy providers are wary of trampolines because of the number of injuries attributed to this device every year. In 2011 there were over 83,000 trampoline injuries that occurred that resulted in the victim being sent to the emergency room. The amount of insurance claims this would generate would place a severe burden both logistically and financially for insurance providers, which is something many would rather avoid.

Obtaining Coverage

While it may be difficult, there are some insurance companies that do offer insurance in the event that a person is injured while using a trampoline. Those considering this option should know that this often raises their insurance premium considerably and may come with a number of stipulations, including:

  • A requirement that all safety details included with the trampoline instructions be followed exactly
  • Additional requirements from the insurance company itself detailing how the product can be used and any additional safety equipment such as nets that may be required.

If a homeowner or their guests fail to follow any of these stipulations it may result in the injury not being covered by the policy and the homeowner unable to receive compensation.

If a Policy Fails to Provide Coverage

When a homeowner is unable to obtain coverage for their trampoline there are other options they can explore in the event that a person is injured. Most important of these is determining whether or not the manufacturer of the trampoline can be sued for damages.

Homeowners will want to first determine if the injury was caused by a defect in the product or its design, or if the actions of the user are at fault. If the trampoline is assembled correctly and parts such as the net or springs fail this can show negligence on the part of the manufacturer.

If an injury occurs due to manufacturer negligence victims should contact a personal injury attorney to begin the legal process of obtaining compensation for injuries.

Get Compensation for Your Injuries

Trampolines have harmed far too many innocent people over the last decade. These who have been injured on trampolines should speak with an experienced personal injury attorney. Schedule your free case review by calling 713-222-1222.

*Image courtesy of freedigitalphotos.net

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