What homeowners should know about trampolining safety & insurance coverage
A trampoline is a fun addition to any home, but trampolining safety is extremely important. Trampoline injuries are common and can be serious. Luckily, you can still enjoy bouncing in your own backyard with the right safety precautions.
Here is some more important info about having a trampoline at home:
Do trampolines raise your homeowners insurance?
Statistically, a trampoline in your property means an increased risk of somebody being injured. Therefore, your insurance company may increase your premium to cover for the extra liability.
Taking the right trampoline safety precautions such as including an adequate safety net might help mitigate this extra cost. Make sure you place your trampoline on energy absorbing ground instead of a hard surface like a patio.
Other precautions like adding safety pads and always having adult supervision for small children are recommended. Avoid allowing more than one person trampoline jumping at a time, as multiple bodies increases your chance of injury.
What insurance types cover trampolines?
Some homeowners insurance policies have exclusions for trampolines due to the extra liability from possible trampoline injuries. However, you can get additional liability coverage through an umbrella policy. An umbrella policy can provide additional liability coverage for common risks and give you better peace of mind.
Jumping on a trampoline can be a fun and exhilarating activity, but it comes with many risks. Always establish and enforce trampoline safety rules and practice good safety habits like avoiding unsupervised access. With a trampoline safety net and enough cushioning material, you can enjoy the thrill of bouncing and stay safe at the same time.
About the Author
Kimberly Hering
Kimberly Hering's devotion to helping people achieve their real estate goals stems from her genuine enjoyment of the process. Whatever the task, Kimberly makes it her mission to get it done, however she can, without compromising her client's needs. Often, that means thinking outside the box. After working with Kimberly, clients describe her as being Trustworthy, Creative, Patient, Highly Skilled, Attentive to the Process and having a lot of Integrity.
After spending more than 15 successful years working on Wall Street, Kimberly transitioned into Real Estate, joining Alain Pinel Realtors, then moving to Zephyr, now Corcoran Global Living, in 2018. During her career on Wall Street, Kimberly was a Vice President working as an Institutional Equity Salesperson for Montgomery Securities for 10 years. She covered the top money managers throughout the US and Canada. She joined Jefferies & Co as a Senior Vice President managing the Western Region Institutional Sales group, while continuing to cover the top money managers.
Kimberly leverages her extensive experience selling equities to top money managers throughout the US and Canada, to successfully negotiating any Real Estate transaction seamlessly for her clients. Kimberly is well versed in Marin's neighborhoods, towns, cities, and education system.
Living in the Bay Area for 35 years, 25 years in Marin and having 2 sons in local Marin schools, Kimberly spends a lot of time volunteering in the community and serving on various local Boards. Kimberly has a collection of resources ranging from the best local breakfast spots to vetted contractors. With her reliable list of valuable resources, Real Estate experience and unsurpassed knowledge of Marin's many communities, Kimberly can guide her clients through every aspect of a Real Estate transaction seamlessly.
Relocating to Marin, downsizing, upsizing, first time home buying, final home purchase or sale, or a lot to build a dream home, no matter the undertaking, Kimberly works seamlessly until the job at hand is completed with 100% satisfaction.