Comments on: Homeowners insurance and trampolines? http://insurance.hirby.com/homeowners-insurance-and-trampolines-3/ Tue, 07 Feb 2012 02:09:13 -0800 http://wordpress.org/?v=2.8.5.2 hourly 1 By: Princess http://insurance.hirby.com/homeowners-insurance-and-trampolines-3/comment-page-1/#comment-37503 Princess Thu, 11 Mar 2010 04:04:55 +0000 http://insurance.hirby.com/homeowners-insurance-and-trampolines-3/#comment-37503 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. 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.

]]> By: favrd1 http://insurance.hirby.com/homeowners-insurance-and-trampolines-3/comment-page-1/#comment-37495 favrd1 Thu, 11 Mar 2010 04:04:54 +0000 http://insurance.hirby.com/homeowners-insurance-and-trampolines-3/#comment-37495 If they determine it to be too much of a risk, yes. Trampolines are a source of great injury. I wouldn't have one..... If they determine it to be too much of a risk, yes. Trampolines are a source of great injury. I wouldn’t have one…..

]]> By: dirkwbarber http://insurance.hirby.com/homeowners-insurance-and-trampolines-3/comment-page-1/#comment-37496 dirkwbarber Thu, 11 Mar 2010 04:04:54 +0000 http://insurance.hirby.com/homeowners-insurance-and-trampolines-3/#comment-37496 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 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

]]> By: Bmod98 http://insurance.hirby.com/homeowners-insurance-and-trampolines-3/comment-page-1/#comment-37497 Bmod98 Thu, 11 Mar 2010 04:04:54 +0000 http://insurance.hirby.com/homeowners-insurance-and-trampolines-3/#comment-37497 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. 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.

]]> By: mei-lin http://insurance.hirby.com/homeowners-insurance-and-trampolines-3/comment-page-1/#comment-37498 mei-lin Thu, 11 Mar 2010 04:04:54 +0000 http://insurance.hirby.com/homeowners-insurance-and-trampolines-3/#comment-37498 Yes, its true, but every company is different. You should call and find out what their views are. Yes, its true, but every company is different. You should call and find out what their views are.

]]> By: John http://insurance.hirby.com/homeowners-insurance-and-trampolines-3/comment-page-1/#comment-37499 John Thu, 11 Mar 2010 04:04:54 +0000 http://insurance.hirby.com/homeowners-insurance-and-trampolines-3/#comment-37499 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! 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!

]]> By: Rexy http://insurance.hirby.com/homeowners-insurance-and-trampolines-3/comment-page-1/#comment-37500 Rexy Thu, 11 Mar 2010 04:04:54 +0000 http://insurance.hirby.com/homeowners-insurance-and-trampolines-3/#comment-37500 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. 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.

]]> By: mbrcatz17 http://insurance.hirby.com/homeowners-insurance-and-trampolines-3/comment-page-1/#comment-37501 mbrcatz17 Thu, 11 Mar 2010 04:04:54 +0000 http://insurance.hirby.com/homeowners-insurance-and-trampolines-3/#comment-37501 Yes. It's called, "increase in hazard". All they have to do is give you a legal notice, and they can cancel the policy. Yes. It’s called, "increase in hazard". All they have to do is give you a legal notice, and they can cancel the policy.

]]> By: Loollea http://insurance.hirby.com/homeowners-insurance-and-trampolines-3/comment-page-1/#comment-37502 Loollea Thu, 11 Mar 2010 04:04:54 +0000 http://insurance.hirby.com/homeowners-insurance-and-trampolines-3/#comment-37502 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 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

]]> By: Jack430 http://insurance.hirby.com/homeowners-insurance-and-trampolines-3/comment-page-1/#comment-37494 Jack430 Thu, 11 Mar 2010 04:04:43 +0000 http://insurance.hirby.com/homeowners-insurance-and-trampolines-3/#comment-37494 Yes, it's true. Yes, it’s true.

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