Backyard play equipment, whether it be a swing set or trampoline, may provide a lot of fun for children and adults alike, but they can also be incredibly dangerous. So, as a parent, how do you make sure that your children are safe while also protecting yourself in the event that a catastrophe occurs? Keep reading to learn a few things that you need to know about trampolines as a homeowner with home insurance.

Setting Up Your Trampoline

Make sure that your trampoline is not placed anywhere near a power line, tree, grill, or any other potential hazard. You should also follow the instructions provided by the manufacturer to ensure the equipment is set up properly and safely. All equipment should be tested by yourself before allowing your children to use it. All height and weight limits should be obeyed as outlined in the manufacturer's instructions. Last, but not least, your children should always be supervised.

Consider an In-Ground Trampoline

In-ground trampolines are safer than above-ground trampolines due to the fact that a child who falls off of one will not go quite as far. While these types of trampolines will take a bit more effort to install and maintain and they will be unable to be moved as easily, they could be worth the investment. In addition, your home insurance company may be more willing to insure your home if you have an in-ground trampoline.

Protection From Injury and Risk

As a general rule, your homeowner's insurance policy will likely provide coverage for your trampoline, but this is only if the equipment is properly maintained and you have taken reasonable measures of safety. There are some policies, however, that will exclude coverage for injury and damage caused by trampolines.

Speak to Your Home Insurance Agent

Some home insurance policies will not provide insurance to homes with trampolines. Others may require that there be a mandatory endorsement. Some insurance companies will require that there be additional safety precautions taken, like a fenced-in yard or a safety net around the equipment, prior to insuring your home if you have a trampoline. Therefore, it is imperative that you speak to your insurance agent before purchasing a trampoline.

If you are not sure whether your homeowner's insurance policy allows trampolines on your property, contact your home insurance agent. He or she will be able to speak to you about the restrictions of your policy and what steps can be taken, if any, to allow a trampoline on your property with your home insurance.