Finding The Best Home Insurance In Florida If You Own A Trampoline

Finding the best home insurance in Florida can be tricky. There are many options to consider, and choosing an affordable policy that still has adequate coverage for all the risks a homeowner might encounter can be time-consuming and frustrating. There are some risks that can sneak up on homeowners, and surprises that happen after an accident or injury are maddening for people that thought they had enough insurance.

Backyard trampolines are an example of an item that a homeowner might overlook when shopping for the best home insurance in Florida, only to find out that a fun recreational toy carries a big potential liability. In fact, it’s quite a big risk to own a trampoline. They can really cause more harm than good.

Simple Toy, Big Risk

Trampolines can seem like a very simple device to carry such a big risk according to Trampolines are a simple machine, just a fabric mat strung on a metal frame, using coil springs to make them bouncy, and usually the play surface is only a few feet off the ground. This simplicity can mask a big liability. If a member of your family is hurt while using a trampoline, you might be surprised to find out that their injuries aren’t covered in the same way they would be if they fell down a stairs, for instance. And if a neighbor injures themselves on your trampoline, you might be shocked at the amount of liability involved, and how often homeowner’s insurance refuses to pay any claim due to injuries suffered on a trampoline.

Look Out For Small Print

Because of the amount of personal injury claims made, and the size of jury awards for people hurt on trampolines, most Florida insurance companies simply exclude trampolines from every policy. That’s why it’s important to read all the fine print on any insurance policy. Insurers try to keep prices competitive by excluding risks they think are too high for the money they’d have to charge to fully cover them, and trampolines are one of many items they consider uninsurable.

Beware Self-Insuring Your Trampoline

Many homeowners are aware of their insurance company’s exclusion of trampolines, but still decide to allow their children to enjoy them anyway. They figure that if they take responsibility for their own children, any liability they might incur will be limited. That can be a big mistake. A trampoline is what insurers and law enforcement call an attractive nuisance ref: An attractive nuisance means that a homeowner should expect to be held liable for injuries caused by any object on their property that is likely to attract children or other people who are not able to appreciate the risk that the object can pose. Like swimming pools, you’ll be expected to make a trampoline completely off-limits to anyone who could be injured by it, which is difficult to do. This makes best home insurance in Florida tough to find.

Trampoline Injuries Aren’t The Only Risk You’re Taking

People that own a trampoline that’s excluded from their policy might think they’re safe as long as no one is injured while jumping on it. That’s not the full extent of liability that a trampoline owner might encounter. If the trampoline isn’t properly anchored to the ground, a windstorm can send a trampoline airborne, and any damage or injury it causes on your property or on anyone else’s property won’t be covered by your policy. The best homeowners insurance in Florida is out there but its up to you to find it.

Do I need Florida auto insurance for a rental car?

No one really wants to think about a subject like Florida auto insurance and a rental car accident, but it’s a subject that should nonetheless be taken very seriously. If you find yourself in the position of having just experienced a car accident with your rental car, you’re going to wish you had taken the time to learn everything possible about an area as admittedly confusing as Florida auto insurance for your rental.

Do You Need Rental Car Insurance?

Understanding how to handle auto insurance in Florida for a rental car begins by understanding the general concept of rental car coverage. It’s worth mentioning again that it can be a very confusing concept. Some people become so baffled by the particulars of Florida auto insurance as it relates to car rentals, they opt not to bother pursuing their insurance options at all.

While it is certainly understandable to be a little thrown by the concept of rental car insurance, avoiding the subject altogether is not advisable. While you may not feel you need rental car insurance, it’s a subject you certainly want to explore if you can afford it. More to the point, you should do everything possible to make sure you have the most comprehensive level of car rental insurance that’s available to you according to In answer to the question of whether or not you need rental car insurance, the short answer is yes.

Understanding Rental Car Insurance

When it comes to the subject of Florida auto insurance rental car accident, knowing the coverage you have means you’ll be prepared for such a possibility. Being prepared is definitely key. Here are some things you can do to make things easier on yourself:

  • Assuming you already have auto insurance, get in touch with your agent. It’s likely that you have some form of coverage for when you get into a rental car. However, the specifics of the coverage can vary from one person to the next. In many cases, the coverage for a rental car is the same as the coverage for the car you actually own.
  • Find out if certain conditions expressed in your rental agreement can cause your coverage to become voided.
  • Regardless of your auto insurance company, the rental company may hold you responsible for “loss of use” or “administrative fees.”
  • You may want to see if your homeowner’s insurance has anything to say about car rental theft or damage as it occurs on your property.
  • Different car rental agencies offer different levels of coverage. You can potentially protect yourself from damage to the vehicle, personal medical bills, damage/destruction to personal belongings that were inside the vehicle, and being held legally and/or financially responsible by other parties involved in the accident. Research the rates and other specifics of the rental agency you’re planning to rent a car from carefully.
  • With the credit card you’re planning to use, find out what that company offers in terms of insurance coverage.
  • When renting a car, inspect the vehicle carefully. If you find any form of damage, note this to the company.

According to, never drive without proper auto insurance in Florida. Its not worth the risk. Be prepared and purchase the policy you need online right now. Its easy, and in less than an hour you can be covered while driving out on the roads.

Is Boat Insurance In Florida mandatory?

While you are not required to have boat insurance in Florida, you are required to obtain a boating safety id card, to register and title your boat in the state of Florida, and carry specified boating safety equipment. The insurance is not required by state law, but if you have a lien on your boat, it is likely that your lien holder will require you to have coverage on your boat.

Florida waterways can be quite busy. It is a good idea to have insurance on your boat for your own protection. Proper coverage can protect you in the event of a hurricane or severe storm. It is likely that any damage that occurs to your vessel due to unforeseen circumstances can lead to very costly repairs.

Depending on where you store your boat, you may also be required to have boat insurance according to For instance, if you keep your boat in a marina, they will likely require you to have coverage to protect the property of other people in the event of any damage or injury.

If the value of your boat is over $1,000 it is highly recommended that you obtain coverage. There is a good chance that your homeowners insurance policy may offer limited coverage for watercraft and boats. This is certainly something that you should check into.

Boat policies generally cover things such as:

•           Limited damage repairs up to $1,000 for the vessel. This only covers certain types of damage.

•           The liability part of your homeowner’s policy may cover a small portion if you are injured or if there is property damage to others. However, this comes with many restrictions.

•           Certain personal property that is brought upon the boat. However, if this is exclusive to the use of the boat, it is not covered.

This is where the boat insurance in Florida comes of great benefit. It will provide coverage for:

•           Damage that may incur to your vessel or even personal property. This will have a deductible. Coverage will be in effect no matter if the damage occurs on the water on while the boat is on a trailer.

•           Covers liability in the event of damage to others.

•           If you or a guest suffers personal injury, your medical expenses will be covered.

•           Should you or your boat suffer injury from another vessel that is uninsured, your policy will pick up and pay.

•           In the event that you become stranded and need to be towed, you will have towing coverage.

As you can see, there are many positive benefits to obtaining boat insurance from and it is something that you should certainly check into if you haven’t already.