Texans are known for their love of creating a backyard oasis, a personal haven just outside their door. My wife and I have put in a lot of effort to transform our own backyard into an extra living space that reflects our devotion to our favorite college football team. With the convenience of smart home technology and streaming television, it's easier than ever to immerse ourselves in the games while enjoying the serenity of our little piece of paradise. And if you truly embody the Texan spirit, there are three essential elements that your backyard simply must have!
True Texas homeowners have three things in their backyards.
Now, let's take a moment to discuss that beloved trampoline. Your kids can't get enough of it, but your home insurance company might not be as enthusiastic. Don't worry, though, because I've got some great tips for minimizing your liability in case of a gusty windstorm. Keep reading to find out more!
What many Texans don't realize is how these items may affect their premiums on their Grapevine Home Insurance. Insurance companies may view these items as more potential risk to your home.
Pools require a fence around it and there's always some inherent danger around slippery surfaces, people and water. BBQs always have some risk to them and those who operate them and trampolines are a pediatrician's nightmare.
Knowing the big windstorms that occur here in the D/FW Metroplex, you wouldn't be surprised if we tell you how many trampolines are at the danger of going airborne if not properly secured.
What If My Trampoline Does a Peter Pan into My Neighbor's House During a Storm?
Insurance for Texans has access to a wide array of insurance carriers that can help with a potential claim. The question at stake: Who is liable for said trampoline? Let's explore!
As the owner of flying trampoline, did you secure it properly, as in, the way the instructions guided you to, or did you call an audible and say a single bungee cord would be enough?
If yes to securing it properly, it will be hard to find you negligent for a windstorm that turns your trampoline into a flying saucer.
If no, well then your personal liability coverage on your policy will need to work in your favor to keep you from paying for the damage out-of-pocket.
How Do I Protect Myself?
There are a couple of things that Grapevine homeowners should do to properly protect themselves from loss if they feel that they need a trampoline in the backyard.
- Tie Down Your Equipment - This can be a massive mistake that frankly is dumb. Securing the equipment is not only important because trampolines can take flight, but also because it enhances the safety of users. With inherent risks involved, taking this preventive measure can significantly reduce the chances of facing a liability claim.
- Carry Maximum Personal Liability Coverage - In general, increasing your personal liability policy limits from $100,000 to $500,000 in coverage will only cost you a small amount each month, perhaps just a dollar or two. If your trampoline happens to take flight and you are held responsible, it is vital to ensure that you have adequate coverage to resolve the issue without resorting to a second or third mortgage on your home. Don't make the mistake of trying to save a few dollars each month and leaving yourself vulnerable to a potential nightmare.
- Have A Personal Umbrella Policy - Families discover a shield against unexpected occurrences through the utilization of an umbrella policy. Knowledgeable insurance experts in Texas assist families in adding an extra layer of personal liability coverage, exceeding $1,000,000, which extends beyond their homeowners insurance policy. This thoughtful approach prioritizes your financial security while having a minimal impact on your insurance premiums.
These three simple steps can be the deciding factor in avoiding a messy legal battle and becoming the best neighbor in town with all the coolest toys. If you have any doubts or uncertainties about where you stand, don't hesitate to reach out to a local independent insurance agent at Insurance For Texans today. Our team of highly skilled insurance professionals will expertly guide you through the intricacies of your backyard, ensuring peace of mind. We are passionate about answering your insurance queries and providing the assistance you need.
Call us at 469.789.0220 or click that blue button to make sure that you have TRUE Texas Home Insurance that protects you from a flying trampoline.
