If my child get hurt on my backyard trampoline - will my/his form insurance cover his injuries?

Or would that be a home insurance claim?

Good Insurance?



Answers:   Use your health insurance. It's a unpromising idea to try and put a claim through your home owners insurance. You are at risk of human being dropped or premium going up. Children get hurt at home adjectives the time. If a friends child got hurt at your home next you should deal near the Homeowners insurance company. That's my opinion!

If a neighbor's tree falls over and does damager to your property, who is liable for the repairs & cost?


You and the population in your house, cannot collect ANYTHING for injuries lower than your own homeowners policy. It only pays for things you find SUED for. You can't sue yourself.

Most of the time, your health insurance will cover this.


I really hope you hold a high deductible, because I judge it's rather "asking for it". You know you own a high peril thing at your house, and you plan on keeping the dignified hazard piece at your house, but want someone else to pay for the injuries.

You hold no right to complain about the large cost of insurance. THAT kind of behavior is contributing to it.

The one and only thing worse than planning on have someone pay for your child when they win injured (or paralyzed for life!!), would be planning the child's funeral if the injury is homicidal. Think about THAT, and recount me if you still want the trampoline in your patio.

I would close to to speak to high headship at Stewart Title?


Homeowners insurance will not pay for injuries sustained by residents of your household.

And when you wallet the claim, the adjuster will alert underwriting to the risk and you may be invited to get insurance elsewhere.

I notably recommend you get rid of that trampoline.

It's not a event of "if" someone will get hurt but when. If one of your child's friends get hurt on the trampoline.the child's parents can sue you. And they will win. It just become a question of how much they return with paid. Any time you obtain sued...you risk your personal assets. Is a toy that is a exposure to your child and others really worth risking your financial future for?

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