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I am thinking about purchasing a trampoline, however someone told me that it raises the cost of your home insurance more than a pool. Has anyone experienced a rate increase?
When my kids were begging for one (it's been several years) I called our insurance company to see if we needed any additional coverage. I believe we were using State Farm. They told me they would cancel us outright if we got one. It falls under the attractive nuisance clause. We didn't get one. The pool liability was not a huge increase, and added without issue.
I would call and ask. And, if they give the go-ahead, buy one used. They're a dime a dozen these days. And, know where the nearest orthopedist is.
I am thinking about purchasing a trampoline, however someone told me that it raises the cost of your home insurance more than a pool. Has anyone experienced a rate increase?
No blanket answer for this question, it depends on your Insurance Company and your specific policy.
Call your company and ask them, they should be able to tell you or read your policy.
You are lucky they told you want they were going to do. I had a co-worker call up and ask what it would cost if his wife starting using the house to take care of 2 of the neighbor's kids during the day. He was told that they could not raise his insurance for that, but they were CANCELLING his insurance immediate for fear he might do it
Insurance should be your SECOND concern. FIRST, do your homework on trampoline injuries. I'm all for let kids play and have fun and bums and bruises come with the territory... but read for yourself about trampolines... to me, just not worth the risk.
I had a trampoline growing up (not all that long ago), and my parents' insurance didn't go up, and my brother and I survived our trampoline years.
My neighbors have a trampoline for their kids, have had it for years. Their kids are alive and kicking. Their 8 year old daughter is a gymnast and does flips and back handsprings on it all the time. They have a net, and so did ours when we had one. Injuries of course can happen, but I personally haven't seen it with us or anyone I know. Just be careful, and as a parent watch your kids. I recommend a net and not allowing more than 2 people on it at once, if that.
I had a trampoline growing up (not all that long ago), and my parents' insurance didn't go up, and my brother and I survived our trampoline years.
My neighbors have a trampoline for their kids, have had it for years. Their kids are alive and kicking. Their 8 year old daughter is a gymnast and does flips and back handsprings on it all the time. They have a net, and so did ours when we had one. Injuries of course can happen, but I personally haven't seen it with us or anyone I know. Just be careful, and as a parent watch your kids. I recommend a net and not allowing more than 2 people on it at once, if that.
Yes, and I didn't wear a seatbelt as a kid and my brother and I survived just fine and none of my friends got hurt either. We rode around in the back of pick-ups too... no issues and it was fun.
But as we learn of dangers, we (hopefully) adapt. I never travel without my seatbelt fastened and have learned other precautions.
Trampolines can be lots of fun. And a net is a great idea. Limiting the number of people is also a good idea. But lots of the injuries are from one person landing on another on the trampoline, so any more than one does pose significant added risk.
All I'm saying is do your research and understand the risks. If you happen to know an ER doctor or orthopedist, ask them what they think.
Yes, and I didn't wear a seatbelt as a kid and my brother and I survived just fine and none of my friends got hurt either. We rode around in the back of pick-ups too... no issues and it was fun.
But as we learn of dangers, we (hopefully) adapt. I never travel without my seatbelt fastened and have learned other precautions.
Trampolines can be lots of fun. And a net is a great idea. Limiting the number of people is also a good idea. But lots of the injuries are from one person landing on another on the trampoline, so any more than one does pose significant added risk.
All I'm saying is do your research and understand the risks. If you happen to know an ER doctor or orthopedist, ask them what they think.
Yes, and I didn't wear a seatbelt as a kid and my brother and I survived just fine and none of my friends got hurt either. We rode around in the back of pick-ups too... no issues and it was fun.
But as we learn of dangers, we (hopefully) adapt. I never travel without my seatbelt fastened and have learned other precautions.
Trampolines can be lots of fun. And a net is a great idea. Limiting the number of people is also a good idea. But lots of the injuries are from one person landing on another on the trampoline, so any more than one does pose significant added risk.
All I'm saying is do your research and understand the risks. If you happen to know an ER doctor or orthopedist, ask them what they think.
personally, i like being aware of the dangers, but just pretending like they don't really exist since the "i survived" argument is stronger than reality.
To answer your question - Homeowners insurance carriers consider trampolines to be extra-hazardous. Instead of raising your premium, it could make you potentially uninsurable when you want to shop around.
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