Renter insurance & trampoline (attorney, home, tenant)

[GreenyPasture]

Anyone's with Amica insurance? Or know anything about renter insurance with trampoline?

My tenant wants to install a trampoline in the backyard and willing to sign any waiver to release us and our insurance company from any liability. But I'm skeptical and worried that Amica will cancel my policy if there's a trampoline on the property.

I'm also curious about other companies' policy on trampoline.

[Poltracker]

You need to talk to your insurance agent and an attorney.

[BstYet2Be]

Originally Posted by GreenyPasture

Anyone's with Amica insurance? Or know anything about renter insurance with trampoline?

My tenant wants to install a trampoline in the backyard and willing to sign any waiver to release us and our insurance company from any liability. But I'm skeptical and worried that Amica will cancel my policy if there's a trampoline on the property.

I'm also curious about other companies' policy on trampoline.

I can only speak from my own homeowner's insurance policy when we purchased a trampoline for our children and what our agent directed us to do because you become not only liable for your own family... or in your case, your tenant's family... but any/every child/adult that decides to go into the yard and jump on the trampoline. And, they will, given any opportunity we quickly found out! Trampolines are like magnets to kids and adults and some of them for some reason just have to jump on it... with or without a homeowner's or tenant's permission... whether anyone is at home or not!

That was our main concern, the ones that were deciding to jump on it without our permission, especially when we were not at home. Our agent told us that the ONLY way we would NOT be held liable for any injuries incurred, even when we had not given permission for them being there, was to securely lock every gate/access to the backyard.

So, that left the only entrance to the back through our front door... and while this solution sucked as well, at least we knew who exactly we'd given permission to, to be back there to jump... and yes, we were definitely liable for each and every one of those we let go back there.

I'd suggest you speak directly to both your tenant's insurance agent and your own insurance agent as well to find out their exact policies on this and get both policies in writing.

Just getting a waiver from your tenant just ain't gonna cut it!