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Comment by secabeen | Hacker News Reader

Generally yes, because the liability for injury would be on you, as the trampoline owner. Compare the probability of a guest breaking their leg when visiting your home vs if you have an unsafe trampoline. Insurers are prepared for the small risk in the former, but have not priced in the latter risk to a standard policy.

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Trampolines are obscenely high risk and injuries are very common. On top of that, if a neighborhood kid comes in to your yard and breaks their leg on your trampoline, your home owners insurance is going to be involved.

Is this something we just don't worry about in Canada? Because we only pay to park at the hospital?

Possibly. Health insurance companies may want to sue the home owner insurance company to try and recoup costs.

You still have to cover the extended medical care in Canada and they are often bigger than the initial hospital stay in the most expensive cases in either country (years-long therapy, chronic injuries, etc.)

The tortable aspect (compensation for causing personal injury) must also be covered.

Probably the liability is also different? You're much more likely to be liable for some things in the US compared to other places.

In my part of Europe, if someone breaks something while making normal use of your trampoline that would be considered an accident. You would only be liable if you had grossly neglected maintenance on the thing, knew that (or would reasonably be expected to know that), and they can prove that this has caused the injury.

Possibly. Also in my country (in EU), the home insurance doesn't cover your liability for an accident like this. That would be another type of insurance you buy extra.

This is the main thing. Insurers know that the home owners are not going to file claims for their own family members. It is the ambulance chasing lawyers that target the insurance when guests are injured on your property. There have been claims against poorly maintained walkways when the ice is not removed when someone slips on your property. Much like how retail stores all now have Wet Floor signs from all the people getting "injured".

Family members are often excluded from the coverages. I know they are excluded from medpay, for example.

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