Trampolines and insurance providers don’t seem to mix. There are lots of different risks and dangers that surround trampolines that providers would much rather steer clear of engaging in a deal with a trampoline-equipped house all together. If you have a trampoline on your premises and you want to avail of an Arizona home insurance for trampolines, it’s best that you read through the specifics to understand what you can do to make the process easier.
The Difficulty with Arizona Home Insurance for Trampolines
Insurance providers would much rather stay away from granting insurance plans to houses equipped with trampolines because of the risks that surround its use. Trampolines are known to cause serious injury to users and all of these incurred injuries would have to be paid for by the insurer if and when they occur. Another problem with trampolines is that any injury they cause to a person, whether or not this person was on the premises with permission or as a trespasser, would have to be covered by the agency. Finally, trampolines can cause very serious life-threatening repercussions such as paralysis. In these cases, insurers are required to pay the maximum possible amount, which of course, works against their favor.
Insurers want to provide plans to people who won’t be financial nuisances. That is, they will grant coverage to those who are not exposed to risks and dangers at such a grave and frequent rate. There are ways you can still avail of a plan however, despite the existence of a trampoline on your property.
The Potential Outcomes when Availing of Arizona Home Insurance for Trampolines
- Exclusion – Some home insurance providers will grant a plan given that the trampoline will be excluded from the terms. What does that mean? This simply means that any injuries sustained from using the trampoline will not be covered by the agency and will have to be paid from out of the individual’s pocket.
- Refusal – Because trampolines are such a liability, many insurance providers will refuse to grant a plan all together. In this case, it would be best to shop around instead of try to make negotiations.
Coverage – Depending on the steps you take to ensure the safety of your trampoline users, some agencies will grant a policy that covers your house and the trampoline together. Some of the measures you can take include installing a safety net and padding for landing.