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Parenting
Little Tikes Bouncer is awesome
We got this Little Tikes Bounce 'n Slide for our kids yesterday (found it for less than half price). They played in it for hours. I predict a lot of bouncing this summer.
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Re: Little Tikes Bouncer is awesome
What do you mean?
In the States, most home owners insurance do not cover accidents caused by any types of trampolines/bouncers. Or the riders are ridiculously expensive.
I was wondering if it is different in Canada.
Yeah, it was totally random, I was at Real Cdn Superstore (discount grocer chain in Canada), and noticed it on the shelf for $135. I couldn't believe it- it's $280 at Toys R Us. (Cdn prices).
I looked into the insurance issue and found that with our insurance carrier (State Farm), it made no difference to our policy/premium. I had originally wanted a trampoline but that would have required an additional rider to our policy at an astronomical price. according to our agent, a bounce house is deemed safer. One of the key differences is that a bounce house needs to be plugged in. When it is not in use, the homeowner simply takes the air pump into the house so it is not an "attractive nuisance." With a trampoline, when the homeowner is not at home, the trampoline could still attract neighborhood children into the yard to play and get hurt. That's the major difference as far as the insurance company is concerned.
Do you mean if other kids use it and hurt themselves? I have no idea. Only our own kids and our friends kids would be using it anyway.
We're not nearly as litigious here, so it's not much of an issue.
Question though- if someone else approves their kid using it why would we be be liable? Is that a risk in the US?
{Ava 5.16.06} {Ella 12.29.07} {Drew 2.9.10}
I guess ours was different. Neighborhood kids are still going to use it and get hurt, with the home owner at home. And they are still going to have to pay out.
Ah. The bouncer isn't a permanent structure in the backyard.
To the OP, here in the US, our homeowners insurance protects our dwelling, but it also protects us when accidents occur on our property. I don't have my policy in front of me, but I think coverage for up to $300K is standard on most policies. So if someone slips in our driveway because we failed to shovel the snow, even if they were not invited, and they sued me to cover their broken leg, my homeowner's policy would cover up to $300k. In the case of trampolines, though, statistically, it is more like that it would be a younger person who had an accident and it would be a brain injury or spine injury. So if I were sued in this case, it would be to cover a lifetime of medical treatment, lost wages, etc. So it would be WELL abouve the $300k in accident coverage I normally have. So I would need a rider to the policy to cover the trampoline and it comes at a hefty cost. And in the case of trampolines, they are considered "attractive nuisances" This means that even if you tell neighborhood kids that they can't use it, it will be so attractive to them, that they will find a way to get on it. So you, as a reasonable adult, should know the danger you are exposing kids to and therefore, just by having it in your backyard, you are liable, no matter what. Swimming pools are treated the same way.
Furthermore, in the US, if you fail to disclose that you have a trampoline and the insurance company finds out about it, they can cancel your policy. So if you had storm damage to your roof and had an adjuster come out to inspect the damage and they happened to see a trampoline in your backyard, they could cancel the policy.
But as I said, in our case with our carrier and policy, a bounce house IS NOT treated the same as a trampoline.
You are so lucky! It is close to $300 (can't remember exactly...) at our Superstore! So strange...
Really? Our Superstore even had the huge obstacle one for $180. (vs. $450 on ebay).