Trampoline Insurance Coverage for Homeowners in Florida

Many Homeowners in Florida have questions about trampoline insurance coverage. Their kids just want to have fun. Bouncing on a trampoline has continued to be a popular backyard activity, especially here in Florida. Do your kids love the idea of having a trampoline? Do you have concerns whether or not you will be able to have proper Florida homeowners insurance when you own a trampoline? With these questions in mind, here is Taylor Young, of Erb and Young Insurance with some important  information about trampoline insurance coverage:

It is true that some insurance carriers will not cover homeowners with a trampoline. Trampoline insurance coverage can be more challenging to find because many feel the risk is too high due to trampoline related injuries. “An insurance company can deny coverage or cancel your policy if you do not follow the policy safety guidelines or do not inform the company when you install a pool or purchase a trampoline,” according to a consumer guide from the National Association of Insurance Commissioners.

“We are inundated with injuries,” said Dr. Randall T. Loder, chair of orthopaedic surgery at the Indiana University School of Medicine. His study, the first to look at fractures related to trampoline use nationwide, found that over 10 years, trampolines caused an estimated 288,876 fractures, at a cost of more than $400 million. Trampoline injuries overall led to more than $1 billion in emergency room visits

 “At this hospital, we see about 150 to 200 children with trampoline injuries per year, split equally between boys and girls. These kids have fractures, spinal injuries, and sometimes serious head injuries. Most injuries occur not because kids fly off the trampoline, but because another child lands on them, or they do something inappropriate, such as riding a bike on the trampoline. If you do have a trampoline, only one person at a time should be on it–with supervision. As more people get on, the risk of injury increases exponentially. If one or two kids jump up, then the trampoline is like concrete for the child coming down. Kids can even break their arms or legs as they land.” explains Howard Kadish, M.D., pediatric emergency medicine physician at the Primary Children’s Medical Center, Salt Lake City

Trampoline insurance coverage for Florida Homeowners

With these thoughts in mind, there are a few carriers that we work with at Erb and Young Insurance that will provide great coverage for Florida homeowners with a trampoline. Yet, due to the high risk of injury there is a cost to this coverage and even these companies put in place mandatory safety precautions in order for you to qualify for Florida homeowners insurance with them.

For the safety of your children and their friends set rules for its use and make sure there is always adult supervision when anyone is playing on your trampoline. Then when you install your Trampoline make sure it is 1) anchored into the ground, 2) you have a fence and 3) a netting enclosure around it. Please, contact your Erb and Young Insurance Agent for specific details as they relate to your home and your trampoline.

 

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