Does Home Insurance Cover Trampoline Accidents?

​Accidents at home, such as trampoline injuries, are most likely to occur in children. When a trampoline accident happens, it's better to know if your home insurance coverage may cover such an accident.

First, liabilities or damages inflicted upon the person involving the trampoline may sometimes not be covered by home insurance. If the trampoline is damaged, that's when your home insurance may cover the damage expenses since it's considered personal property.

Your home insurance may cover the damaged trampolines due to the following:

• Natural disasters such as storms, tornadoes, or lightning strike
• Stolen or vandalized

Second, it may depend on what's included in your home insurance policy. So it's better to inquire at Robinsons Insurance Agency if their home insurance can cover trampoline accidents. Plus, they can customize your home insurance policy, especially in specific situations, in case trampoline accidents aren't included.

Attractive Nuisance
Trampolines may be listed as an "attractive nuisance on your home or homeowners insurance." 

Attractive nuisance refers to items that children get attracted to but may later risk and put in danger. You can be held responsible if the child gets injured with those attractive nuisances. 

For example, if a child gets into a trampoline accident in your backyard, you'll be held responsible for their medical expenses. Your home insurance should cover the medical expenses if your policy considers trampolines an attractive nuisance.

You can also check the following items if they're listed in your home insurance policy as an attractive nuisance:

• Cars
• Old appliances
• Swimming pools
• Treehouse

Home Insurance That May Cover Trampoline Accidents
If your home insurance covers trampoline accidents, it should cover the medical expenses of the injured guest. Although if the family members are the ones that get caught in a trampoline accident, your health insurance may likely be the one to cover the medical expenses.

What a Home Insurance Policy Should Generally Cover
Your home insurance policy should generally have two types of coverages, which are hazard and liability insurance:

• Hazard insurance - includes coverages to your damaged home properties or personal properties due to fire, smoke, and theft.
• Liability insurance - includes coverage for third-party claims (guests, clients, or strangers) of injuries or accidents in which you're held responsible for the damage or injury.

Conclusion
Trampoline accidents and other attractive nuisances should be prepared for. In case you won't be able to prevent such harm to third parties, especially to children guests.

The best way to prepare for them is by checking what kind of coverage your home insurance provides. You should check to clarify what's included or not on your home insurance policy or add such specific coverages so the policy will cover the expenses regarding that certain accident.

At Hayek Insurance aims to provide comprehensive insurance policies that make your life easier. You can get more information about our products and services by calling our agency at (805) 496-8835. Get your free quote today by CLICKING HERE. Topics and coverage discussed in this article are not guaranteed, consult with your agents to determine what your policy does and does not cover. We are more than happy to help!