Trampolines 'bounce' home insurance -

Trampolines 'bounce' home insurance

A trampoline provides a lot of fun for kids, and that's why the Wilson's bought one for their son Jordan. But the fun appears to be over.

"We wanted to surprise him with it, but unfortunately it became a surprise to us," Chris Wilson said.

The unwelcome surprise came when insurance agents did an inspection of the Wilson home, saw the trampoline and told them it had to go. Otherwise, the insurance company said it would drop the couple's homeowner's insurance.

"I never would have thought in my dreams that a trampoline that everybody sells would violate a home owner's policy," Wilson explained.

The Wilson's have owned their home for six years, but recently switched to Donegal Insurance Company.

"All you need is for an accident to happen on a trampoline and it can wipe you out because your insurance may not cover it," Wilson said. After buying the policy, the couple never thought about calling their insurance agent to tell them they'd bought a trampoline.

"If you have a trampoline, I tell you I can't write your insurance," Chandler Insurance agent Libby Hester explains of the situation.

Hester says most companies won't cover third party trampoline claims. There are a few companies that will, but you must sign a liability exclusion.

"Your house is still covered, your contents are still covered, but liability from a claim with that trampoline would not be covered," Hester went on.

Hester says if your child has an accident on a trampoline, your medical insurance should cover it, but adds that homeowner's insurance would apply if someone else's child gets hurt.

"They're going to pay one claim and then they [will] give you probably 30 days to take it down or cancel your insurance," according to Hester.

And it's just not trampolines. Swimming pools and certain breeds of dogs such as pit bills are usually not covered either.

State Insurance Commissioner Jim Ridling encourages homeowners to call their agents to update them on high risk items, and says they should ask questions.

According to the Product Safety Commission, nationwide almost 100,000 people - mostly children under the age of 14 - go to emergency rooms annually due to trampoline injuries.

The Wilson's gave the trampoline a 'bouncing of its own', removing it from their property. They said they'd rather be safe than sorry.

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