Is it true that my can drop me for having a trampoline with enclosure in my fenced back yard?

 

  • Jack430 9:04 pm on March 10, 2010 Permalink

    Yes, it’s true.

  • favrd1 9:04 pm on March 10, 2010 Permalink

    If they determine it to be too much of a risk, yes. Trampolines are a source of great injury. I wouldn’t have one…..

  • dirkwbarber 9:04 pm on March 10, 2010 Permalink

    well if you have one you better let them know so they can change your policy…i just recently got homeowners ins and one of the questions they asked was if i had a trampolines

  • Bmod98 9:04 pm on March 10, 2010 Permalink

    I am pretty sure they can. I think my wife said they are on the same order as a four wheeler. Most companies won’t cover them unless you get a special policy just for it. OBTW she works for an insurance co.

  • mei-lin 9:04 pm on March 10, 2010 Permalink

    Yes, its true, but every company is different. You should call and find out what their views are.

  • John 9:04 pm on March 10, 2010 Permalink

    Yes, depends on the insurance company. Here are two options you may have;

    1. check with your insurance company or your agent to exclusion endorsement for the trampoline for your policy. If they do, you can keep your insurance with the exclusion coverage of trampolines.

    2. check the following site to get a new quote;
    http://www.insureme.com/landing.aspx?Refby=614783&Type=home
    you may get the quote with the trampolines coverage.
    It is free. No obligation.

    Good Luck!

  • Rexy 9:04 pm on March 10, 2010 Permalink

    It is true, as it is seen as a liability hazard and an "attractive nuisance." If someone gets hurt on the trampoline, even if you didn’t invite them and they were trespassing, you could be sued- and therefore your insurance policy would pay up to the limit of liability. Each insurer has a set of guidelines which have to be approved by the state’s department of insurance, so it is perfectly legal for a company to cancel your policy or deny you coverage for a trampoline. More and more companies are using trampolines as underwriting criteria, but shop around as you will find a company to accept the exposure.

  • mbrcatz17 9:04 pm on March 10, 2010 Permalink

    Yes. It’s called, "increase in hazard". All they have to do is give you a legal notice, and they can cancel the policy.

  • Loollea 9:04 pm on March 10, 2010 Permalink

    they sure can and will, they have had just too many children
    injured on trampolines and they are no longer willing to take the risk

  • Princess 9:04 pm on March 10, 2010 Permalink

    Absolutely they can. Home insurance companies consider trampolines to be HUGE liability risks. I am an insurance agent and I have one or two companies that will actually cancel if a trampoline is found on your property during an inspection or at the time of a loss. However, this also depends on the individual underwriting guidelines of the insurance company. I have one company that I write for that used to be sticklers about trampolines but have since changed their guidelines to where they will not cancel the person’s insurance but will exclue any losses due to a trampoline.