Trampolines--why are they on the insurance bad list?

Interesting.

I had a friend who had a sunken trampoline and even she had to remove it.

It makes me wonder about the ones that seem to always be for sale at Sam's club and who is able to actually buy them legitimately.:confused3
How many people do you think REALLY read their insurance policy to know that they will be cancelled if this is on their property? People figure "hey, it's legal" and they buy one. It isn't until they get a cancellation notice that they realize there is a problem with insuring your property with one of those things present.

My kids are not allowed on trampolines. When they were really tiny, we visited two friends who had them, and we went on with them, but now that they are bigger and wilder - no way. Simply not allowed. Just too dangerous, and not worth the risk.
 
Okay--how about legimitately use one then. :confused3

There must be some insurance companies that allow them, I know a bunch of people with them. As a matter of fact my homeowners was just renewed and I don't recall seeing anything about owning a trampoline would mean automatic cancellation, but I never really paid too much attention since I have no plan to ever own one.
 

I personally know 4 people who have been injured on a trampoline. A broken arm, two sprained ankles and one leg broken in 2 spots.

Trampolines are bad news... I'm not surprised they're on the bad list.
 
There must be some insurance companies that allow them, I know a bunch of people with them. As a matter of fact my homeowners was just renewed and I don't recall seeing anything about owning a trampoline would mean automatic cancellation, but I never really paid too much attention since I have no plan to ever own one.

Insurance is so tough to find in Florida that it is (IME where I am located) extremely rare to find someone with one. I keep running into people who have to ditch them and I don't see any yards with them.
 
I completely understand why they are high to insure. They are an attractive nuisance to neighbor kids and they are pretty easy to get carried away on and get hurt. I don't know how to explain it but pools have an inherent fear involved. We knew growing up never to get near a pool without a life guard or parent there. That same cautiousness I don't think applies to trampolines.

If you have a fenced in yard, depending on the city, you might be able to negate the attractive nuisance part. As a PP said many cities have ordinances requiring fences if you have a pool. In some cities, like the one I grew up in, an in ground pool requires a second fence. The house I grew up in had an in-ground pool next door and not only did they have to have their yard fenced but there had to be a second fence around the pool area.

When I first moved back to OH from FL one of my roommates got a 12 foot trampoline. The yard wasn't fenced and there were kids all around us. The thing was up for a week (against my wishes) and in that week we had neighbor kids jumping on it almost every night. That first weekend the 2 of us who are sensible vetoed the one who wanted it and it came down. One of our friends has a cousin who fell off of one and ruptured a kidney, they are bad news if you aren't proficient at using one.
 
I'm an xray tech and no way would I ever have one. They are super dangerous and we had many many many kids hurt on them!
 
Insurance is so tough to find in Florida that it is (IME where I am located) extremely rare to find someone with one. I keep running into people who have to ditch them and I don't see any yards with them.

We have 5 in our subdivision alone, and that doesn't count some of the people I know who aren't living here. I can't imagine they are all risking losing their homeowners, but who knows, people do surprise me sometimes.
 
All you need to do is watch an episode of America's Funniest Home videos to see how many people get hurt on those things.
 
Not to minimize the horror of a drowning, but swimming itself is not really a dangerous activity. You aren't going to break a bone or get a head injury from swimming. If you have strict rules for your pool and properly supervise yoiur kids, the chances of an injury are very small. However, as a prior poster noted, you can be following all the safety rules for a trampoline and still get hurt. It's an inherantly dangerous activity. A parent can be standing *right there* but once you realize something bad's about to happen, it's too late to stop it. :guilty:
 
Not to minimize the horror of a drowning, but swimming itself is not really a dangerous activity. You aren't going to break a bone or get a head injury from swimming. If you have strict rules for your pool and properly supervise yoiur kids, the chances of an injury are very small. However, as a prior poster noted, you can be following all the safety rules for a trampoline and still get hurt. It's an inherantly dangerous activity. A parent can be standing *right there* but once you realize something bad's about to happen, it's too late to stop it. :guilty:

True--I do think that many insurance policies don't allow slides or diving boards on pools for similar reason. As you say, the swimming is okay--but slides and diving boards of course increase the risk of injury.

If I'm not mistaken--we could not have a diving board when we built our pool. No idea if a home with an existing pool and diving board would be exempt or not.
 
I wasn't going to try and sneak one or anything. It is just something I don't get. Why not an increased liability policy or why not a private use policy or something and then the insurance is null for claims from guest?

It just all seems unfortunate.

Okay, but then if someone gets hurt and they sue you, you don't have insurance to cover it and you would be personally liable. Trampoline injuries are often serious, including fractures and worse. Why would you (general you) ever take that risk?? :confused3
 
We've had a trampoline for years and are very strict with it and have had no injuries. However, reading these posts has convinced me to get rid of it! Tomorrow!
 
I think it is common sense why trampolines are on the "NO" list for home owners insurance. Just google, the pediatric doctors think they are the devil incarnate, that is enough for me.
 
I have 3 children.

My middle child was on a trampoline for 5 minutes.

As she was exiting the trampoline (through the PROTECTIVE net) she had to lean back just a bit to get out. One other person was on the trampoline, and he fell backwards so the back of his head hit her face. They were the only 2 on it.

Straight to the hospital we went. She had a broken nose and a chipped tooth.

NONE of my children are allowed on trampolines. Ever. Again.
 
We've had one for 10+ years, lots of neighbors over, and no real issues other than a small one. (more on that later) Here's my 2 cents going against the flow.

YES, trampolines are dangerous. But you CAN greatly reduce the risk by buying a GOOD one vs a CHEAP one. Just hear me out.

We have a Magic Circle 16' trampoline made in USA. It has a REAL enclosure. The cage around the outside is made from the same stuff that the trampoline is made from. (Think about that for a second) In other words its not "fishnet". You can not see into my trampoline. You can see out, but you can only see in at close distance. The springs (more than most and more heavy duty) are on the OUTSIDE of the cage. Ours is also attached to the ground. I (200 pounds and holding) can literally run and jump into the air, into the side of the trampoline and bounce back. On a Walmart / Sams trampoline that would be certain injury. Have you ever seen AFHV where they try that??? They fall into a fishnet pocket outside the trampoline! That simply can not happen with mine. Also the walls are very tall on mine, so no jumping over the cage.
Instead of the usual 200 pound max weight requirement (check your manual, you might be surprised how low the weight requirement is) ours has a 750 pound weight limit!!! Instead of little poles, the poles are (with the padding) almost 6" in diameter. I'm not bragging; I'm saying YOU GET WHAT YOU PAY FOR!!!!!!!!!!!!!! We bought a real trampoline, and we have not had any injuries other than myself knocking my knee into my mouth a couple times when doing flips. (Yes, 200 pound me does flips on my trampoline!!! Its another form of exercise and I love exercise.)

We paid an arm and a leg for our QUALITY MADE trampoline, and it has saved us from broken arms and legs. We also have very specific rules about it. No more than one jumping at a time... PERIOD. No shoes. No toys. And only easy fun. No wrestling or roughhousing. We could have a broken bone next week, but so far its been over 10 years with no real problems. I like my trampoline as much as the children do. We had all the neighborhood children over today, and no one got hurt. Mostly they just sat around in a circle and talked.

Count me in as the one going against the flow who is FOR trampolines. I think (like most things) you have to consider ALL factors to an argument. If you have a cheap piece of crap from Walmart (because your too cheap to buy a quality US made trampoline) with exposed springs, no cage (or worse yet, the false security of a cheap mesh cage), a small trampoline, or one not rated for the weight, you can expect problems. Throw in a family party where parents get drunk and let the kids jump unsupervised and you can expect injuries. Its like everything else; you get out of it what you put into it.

The real problem with trampolines is the parents. If they were buying a car or LCD TV or a toy for THEM they would do their homework. They might be more apt to pay more and get what they really need. But since it (the trampoline) is for the children, they take the cheap route out. They buy some cheap chinese made injury trap. I was at a party once where the family had one such trampoline. It was only about 5 years old. A grown up got to jumping really high, and when he came down, he kept going. It ripped down the middle. Mine is over 10 years old and aside from the pads on the outside of the cage needing replacing, the trampoline basically looks like it did when we bought it new. Thats the difference between $200 at Walmart and $1000 online with a US based company.

Our only injury was my wife did break her thumb on ours early on, but she also broke her toe in the house doing something far more stupid. (She would agree with me on this!) so injuries can happen ANYWHERE. Yes, they happen more often on trampolines, but my point is if you buy a quality made trampoline you can at least reduce them greatly.

So in response to a recent comment asking why anyone would ever take the unnecessary risk.....
I personally have NEVER been injured on my trampoline, and neither of my children have. But I personally HAVE been injured while swimming, while on a bicycle, while working on a vehicle, while working my career, while playing with the dogs, while fishing, and even while walking through my house. All of which are either necessary parts of life, or things I enjoy doing. If i HAVE been injured while doing all those things, and I have NOT been injured on my trampoline, I see no reason to sell the trampoline.:laughing:
 
My father in law used to own an insurance agency. He said that they would not give insurance to someone who had a trampoline. But that if you had insurance and then got a trampoline they had to cover any accidents that happened. I'm guessing they probably dropped the person as soon as it was time to renew though if there had been a claim due to the trampoline.

We don't have a trampoline and never will, our backyard is on too much of a slope. But a neighbor has one and that is how my dd was able to master her back handspring. I have rules for my kids, they are only allowed on ones that have the protective net and they aren't allowed on one with more than 2 other kids. But I do allow them to play on trampolines, I think it is great exercise.

I know more kids that have been hurt falling off bikes than I do kids hurt on a trampoline. I just try to teach them how to be safe doing these things and then hope for the best.
 







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