Cupertino, CA · Member since 2016 · 2 posts · 0 votes
Hi All,
I am new to home ownership. I have purchased a house in Texas but i reside in California. This is my first ever house purchase and is meant as a rental house only.
I have a prospective tenant who is willing to take responsibility for Trampoline and replace the grass after they leave.
Do you recommend allowing trampoline in the backyard? My dwelling policy obviously does not protect me.
If i want to allow trampoline, what are my options? Any experience if you can share that would be very valuable.
You need to check with your insurance agent. I have 12 rentals and three different insurance companies. Only 1 of the 3 companies allows trampolines, but with an additional rider (and therefore expense). Because if this, I do not allow trampolines on my rental properties.
I guess i want to understand the risks involved with letting tenants buy and use trampolines from Landlord's perspective.
I have found insurance company that says "we wont cover trampoline, however if tenant sues you and they go to court and if court passes a judgement that landlord was responsible, our liability coverage will be used for the payment"
Some insurance companies won't even say this much. they say we would have to remove any liability coverage that we offer you as a dwelling / landlord coverage
Once your liability coverage is terminated,then you have no liability protection for anything on the property, it doesn't matter if it is trampoline related or not. You also risk having all policies with that insurance company terminated.
There are plenty of renters here in Texas so you would loose no time to vacancy selecting a different tenant to oocupy the property. It makes no sense to take on a non-insurable risk just to have someone rent your place. Bad business practices will bite you at the most unopportune time.