Did you know that owning a trampoline could significantly affect your home insurance plan? Insurers want to provide plans to individuals who are not going to incur too many damages or injuries too often. Because trampolines are known to cause severe injury to users, it is becoming increasingly hard to find New Jersey home insurance for trampolines.
The Issue Between Insurers and New Jersey Home Insurance for Trampolines
Home insurance policy providers like newjersey-insurance.net choose to steer clear of homes with trampolines because of the many risks and dangers that occur due to these supposedly fun home additions.
- Trampolines attract the attention of small children and younger individuals who might not have the right precautionary mindset to prevent accidents and injuries. These people are highly likely to incur injuries when using trampolines and these will have to covered by insurance agencies.
- Regardless of whether or not a person was on your property and playing in your trampoline with your permission, an insurance agency would have to pay for any injuries they incurred as well. So if a complete stranger or if a neighbour’s child wanders unauthorized into your yard, starts playing on your trampoline, falls, and incurs an injury, your agency would be liable for it as well.
- There are certain injuries that can cause life-threatening effects such as paralysis. In this case, an insurance provider would have to pay the maximum amount to cover for the incurred injuries.
Trampolines appear to insurance agents as financial pitfalls that will cost them more than they make. This is why they usually refuse to grant an insurance plan to a person whose home is equipped with a trampoline. It’s not impossible however to secure New Jersey home insurance for trampolines as long as you take the necessary steps to assure your agent.
How to Acquire a New Jersey Home Insurance for Trampolines Policy
The first step you can take is to install additions that will make your trampoline safer to use. A safety net and cushion landings could assure an agent as to the safety of your trampolines and might get them to grant a policy with it included. Another way you can secure a home insurance policy is if you agree to leave the trampoline out of the terms. That is, any injuries sustained from using the trampoline would have to be paid for from your own pocket.