Homeowners Insurance

All about homeowners insurance in Texas from your local agent, Austin Insurance Group.

Locate a Texas MetLife Insurance Office

Moving? Find a Local Texas Metlife Insurance Office

Whether you just moved to Texas, or moved across town, we are here to help.  We can provide insurance coverage for your car, home, life, or business.  With Texas MetLife Insurance Auto & Home we offer superior insurance products filled with features that can eliminate uncertainty and create lasting peace of mind.  Metlife is one of the most reliable and financially strong home and auto insurance companies in the U.S.

Metlife Grand Protect

States Licensed In: TX, CO

If you are moving to Texas and would like to be contacted by a Texas MetLife Representative, please 512-339-2600.  Contact our office to customize an auto and homeowners insurance policy for you.

Metlife Car Insurance Metlife Home Insurance Metlife Life Insurance

Car Insurance

  • Metlife car insurance policies provide end-to-end coverage.
  • If you ever have an automobile insurance claim, we make it easy for you to report, anytime around the clock, 365 days a year.
  • We offer a wide range of budget-friendly auto insurance discounts.

Home Insurance

  • Your home protects you, your family, and your most valuable possessions.
  • The last thing you want to worry about is what it would take to repair or replace your home if something happened to it.
  • We can help remove that worry with homeowners insurance from MetLife Auto & Home.

Life Insurance

Life insurance can help protect your family’s way of life after your death. The financial strength it provides can help your loved ones:

  • Stay in their home
  • Pay for college
  • Reach other life goals

We can help simplify the process of purchasing life insurance by providing you with the guidance and information you need to obtain the right type and amount of coverage for your specific situation.

 Contact Me   Contact Me  Contact Me
 Metlife Multi Policy Package  Metlife Renters Insurance  Metlife Umbrella Insurance

Multi-Policy Packages

Multi-policy insurance packages from MetLife Auto & Home, provide the great coverage you need along with the convenience of bundling all your property and casualty insurance policies together, simplify your insurance coverage—and your life.
Our Combo℠ and GrandProtect® policy packages offer the Power of One
  • One deductible for any one loss
  • One bill
  • One annual effective date
  • All in One convenient package
Let’s schedule some time to review your individual needs.

Renters Insurance

When you rent, it’s the personal touches you add that turn your place into a home.

Of course, those personal touches can sometimes be very costly to replace or fix if something were to happen to them.

Unlike many insurance companies, we offer coverage that will pay the full cost to repair or replace your personal belongings after a covered loss, without deduction for depreciation.

Umbrella Insurance

An accident can happen in a second, but the financial consequences can be lifelong.

If you are found liable for injuries or death resulting from an accident at your home or involving one of your vehicles, the impact to your family’s way of life could be devastating.

Referred to by other companies as an umbrella policy, a Personal Excess Liability Policy (PELP) can help bridge the gap between the basic liability coverage in:

  • any auto
  • home
  • boat
  • motorcycle
  • RV policies
  • a large lawsuit settlement
  Contact Me   Contact Me   Contact Me
 Metlife Flood Insurance  Metlife Boat Insurance  Metlife Motorcycle Insurance

Flood Insurance

You don’t have to be located near water to be affected by a flood.
  • A flash flood caused by a large volume of rain in a short period of time can strike anywhere without warning.
  • And just a few inches of floodwater could cause thousands of dollars in damage.
  • Most homeowners insurance policies do not cover flood damage.

Metlife Flood insurance is part of the National Flood Insurance Program (NFIP) administered by the Federal Emergency Management Agency (FEMA).

Boat Insurance

Before you head out onto the water with your powerboat, sailboat, jets or other watercraft, be sure you have the coverage you need to preserve your way of life if the unexpected happens.

You’ll find our boat insurance rates are affordable, and we offer discounts like our safety, diesel engine, and multi-policy discounts that could create significant savings for you.

Motorcycle Insurance

The relationship between a motorcycle owner and his or her bike is a special one.

We understand how important your bike is to you, so we want to help you protect it with motorcycle insurance that lets you ride with confidence knowing you’re protected by coverage with many valuable features.

  Contact Me   Contact Me   Contact Me
Metlife RV Insurance Metlife Pet Insurance Metlife Small Business Insurance

RV Insurance

  • Do you enjoy vacationing in a motorhome?
  • Is your favorite “toy” an ATV or snowmobile?
  • Maybe you like spending your weekends and holidays on a motorcycle, dirt bike or scooter.

Recreational vehicles like these can be a lot of fun, but they come with some risks, too, like accidents, damages or theft. If you own an RV, please contact me for a no-obligation recreational vehicle insurance quote.

Pet Insurance


Whether you’re a cat owner, dog owner, or “pet parent,” you want the best pet health care possible.

Protecting your dog’s health or cat’s health can be difficult with high animal health care costs.

Pet insurance removes the financial burden of expensive diagnosis and treatment of your dog’s or cat’s illnesses and injuries off of your shoulders.

Small Business Insurance

As a small business owner, you’ve got a lot on your mind.

Everything from sales and growth to the welfare of your employees.

Insurance protection should not be on your list of concerns.

We can help remove that worry with MetLife Auto & Home Link℠ business insurance.

Link is dependable and hassle-free insurance that provides small businesses with big business protection.

  Contact Me   Contact Me   Contact Me

Online Quotes

Call: 512-339-2600
Text: 512-339-2600
Contact by Email

Austin Insurance Group | Local Texas Metlife Auto Insurance Agent |  Quick Cedar Park/Leander Facts

Austin Insurance Group - Texas Metlife Insurance

© 2018 MetLife Auto & Home  – All Rights Reserved

Metlife Home Insurance

MetLife Home Insurance

Metlife Home InsuranceMetLife home insurance offers a variety of homeowners insurance options to ensure protection to policyholders’ homes and their belongings inside. These coverages include Coverage for the Contents of the Home, Property Damage Protection,  Court Fees and Liability Coverage. MetLife also offers superior 24/7 claims services to best fit their customers’ needs. And when you bundle home and auto, you can save even more.

  • Excellent customer service: 24/7 claims and flexible payment plans.
  • Customizable coverage offers peace of mind in the event of hail, tornados, fire, theft, vandalism, and more. You can even replace the contents in your home—without deduction for depreciation—if you ever experience a loss.
  • Additional features available that will pay you the full cost to rebuild your home if necessary, even if it’s more than the amount for which your home was insured.
  • Liability coverage ensures that if you’re sued from a mishap on your property, your legal fees are covered.
  • Identity Protection Services are included with every policy.

About MetLife Insurance Company

The origins of MetLife (Metropolitan Life Insurance Company) go back to 1863.  Metlife Home Insurance was formed when a group of New York City businessmen raised $100,000 to found the National Union Life and Limb Insurance Company. The new company insured Civil War sailors and soldiers against disabilities due to accidents, wartime wounds, and sickness. In 1868, the company decided to focus on the life insurance business. A new company was chartered to sell “ordinary” insurance to the middle class.

On March 25, 1868, the first policy by Metropolitan Life Insurance Company was issued. Dr. James R. Dow, a retired physician from Brooklyn, NY, was named Metropolitan Life’s first president. He held this position until 1871. The company’s office consisted of two and a half rooms and was located on Broadway in lower Manhattan. By the close of business in 1868, the company had issued 1,477 policies for $4,340,000.

Metlife Home Insurance ranks in the Top 5 homeowners insurance companies in the US.

  • Overall score: 82.8 (4 stars)
  • Customers who recommend this carrier: 78%
  • Customers who plan to renew: 90%
  • Claims processing stars: 3.5
  • Customer service stars: 4.5
  • Financial strength ratings: A+

Contact information

MetLife Home Insurance
2521 Rutland Dr #150 (corner of Burnet Rd & Rutland)
Austin, TX 78758
Telephone: (512)339-2901

Ask Austin Insurance Group: Building Ordinance or Law

“Building Ordinance or Law — 50% of Coverage A. What is “Coverage A” and what is the amount?  My current policy simply identifies $5k for the coverage. How does your policy differ, if at all?  Uncertain what the coverage  actually is…”— S.L. (Austin, Texas) 3/18/16

* * *

What is Building Ordinance or Law on a Texas Home Insurance Policy?

Building Ordinance or Law Coverage applies whether you suffer a total or partial loss to the structure. This valuable coverage can save you thousands of dollars in upgrades that you would have to pay out of pocket. Ordinance or Law limits are usually a percentage of your Coverage A Dwelling limit. For example, if the Dwelling amount on your home is $200,000 a 50% option will allow up to $100,000 in upgrades due to building code requirements; a 25% option will allow up to $50,000 and some companies offer a flat coverage amount.

Did you know rebuilding your home to meet current codes or demolishing what is left of it might increase your costs up to 50%? Your state or city may have laws or building codes that greatly affect the reconstruction of a damaged home. These building codes change over time and they usually become more demanding. If a windstorm or other loss event damages your home, these local ordinances may increase the cost to rebuild, repair or demolish your home and add to your out-of-pocket costs. Building Ordinance or Law Coverage can help protect you from these increased costs due to new regulations.

Most homeowners policies will limit the amount of coverage for the following increased costs caused by adherence to current ordinance or law.

  • The construction, remodeling, demolition, renovation or repair of a structure or building
  • The reconstruction or demolition of the undamaged portion of a covered structure or building
  • The removal, remodeling or replacement of the portion of the undamaged part of a structure or building needed to complete your repair

Here is an example of how the Building Ordinance or Law Coverage applies. Your home sustains damage to the roof when a tree falls into your bedroom during a windstorm. Roof repairs will probably require costlier shingle replacement and minimally, hurricane roof straps or specific size roof nails. These more expensive items will add significant costs to your repair bill. Building Ordinance or Law Coverage pays for those costs, which insurance carriers would otherwise consider an improvement to your property absent the coverage. Without this endorsement, you must pay the additional costs. Add these costs to your deductible and you can see why this coverage can be critical to your budget.

As safety research grows, building codes reflect that new knowledge of how to make property safer and better able to withstand wind and other natural forces. The older your home, the more likely it is to have code upgrades after a loss. For example, a home built in 1990 would have had much less stringent local building codes governing your plumbing, electrical, or roof systems. To bring a 1990 home up to today’s standards would cost more than simply repairing the damage.

You don’t want to learn the hard way, after you have suffered a loss. Talk to your agent today about this important coverage. If you would like to learn more about Homeowners Insurance from Austin Insurance Group, please contact our office at 512-339-2901 or get a quote online.


Ask Austin Insurance Group: All Risk Insurance or Named Peril

All Risk Insurance vs. Named Peril Policies

What is the difference between all risk insurance policy and named peril policies?  Read more to find out the difference and why we recommend the all risk home insurance policy.

From Ask an Agent

“I highly appreciate your offer to assist clarifying home insurance for my house. Will you please check out the attached offer and tell me what is different than AIG one?” — W.S. (Austin, Texas) 3/9/16

* * *

Basically, insurance companies write two kinds of policies for homeowners:

  • all risk insurance
  • named peril policies

All Risk Insurance Policies

All risk insurance policies are also referred to as an open peril policy or comprehensive policies. (All risks are typically HOB and HO3 policy types) vs. (Named peril policies, HOA policy types).

An all-risk insurance or open peril policy covers everything that’s not “excluded.”  Every thing is covered except what is specifically excluded in the policy. The all-risk insurance policy usually costs more than the named peril policy because it offers more coverage and is more comprehensive. Under an all-risk policy, the burden is on the insurance company to prove that the peril causing the damage is not excluded.  If it’s not excluded, coverage applies. Since the limitations and exclusions are the key to determining what coverages are provided by an all-risk policy, it could be called a “named exclusions” coverage. The most common perils excluded in an all-risk policy include:

  • Earthquake or earth movement
  • War
  • Flood, seepage, mudslide, and sewer backup (and sometimes surface water that builds up after heavy rains, underwater springs, groundwater, burst water pipes, overflowing toilets, and wind or wave-driven water)
  • Boiler explosion
  • Governmental seizure or destruction of property
  • Off-premises utility service interruption
  • Building ordinance or law
  • Seepage or leakage of water over a period of time
  • Electrical damage to electrical devices
  • Wear and tear; rust, corrosion, fungus, decay, deterioration, hidden or latent defect smog; settling, cracking, shrinking, or expansion; nesting, infestation or release of secretions by insects, birds, rodents or animals
  • Damage to building interiors by rain, snow, sleet, ice, sand, or dust unless the roof or walls are first damaged – except damage by thawing of snow, ice or sleet
  • Mechanical breakdown
  • Theft of building materials and supplies not yet attached to buildings
  • Employee dishonesty
  • Pollution

Named Peril Policies

Named peril insurance covers only  what is specifically noted in the policy. For example, if it doesn’t say you’re covered for backup of sewers or vandalism damages, you are not covered. The named peril insurance policy only covers certain and specific perils, and this type of policy is usually less expensive  than an all risk home insurance policy.

A typical named peril policy typically would cover:

  • fire
  • hail
  • windstorm
  • aircraft
  • vandalism
  • smoke

Earthquake and Flood insurance are two other common type of named peril policies and are written as separate policies.  When your property insurance coverage is written on a named peril basis, the burden is on the insured.  You must prove that one of the named perils caused your loss

Which coverage is the better choice?  Lenders recommend an all risk home insurance policy.

If you’re paying a mortgage, you probably do not have a choice.   Most lenders require that you protect your investment with a comprehensive policy, all-risk policy.

For others, the type of insurance to purchase should be need-based depending on the type of property you have and your location.

The advantage of an all risk home insurance policy is that it covers you in the event of a loss you did not predict. Even though it will cost more, in a world where freak accidents happen, the broader your insurance coverage, the better off you’ll probably be.

Just be sure to read the fine print so that you’re clear about the stated exclusions.

Ask Austin Insurance Group to compare policy types for you. Or visit The Texas Department of Insurance to see for yourself.

All risk insurance vs Named Peril policies - Get an Online Home Insurance Policy Quote now.

Or get a free review today, call 512-339-2901!

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Texas Home Insurance Costs Vs. Other US States

Texas Home Insurance Costs Vs. Other US States

The suburbs are often a first choice for homeowners who want to work in the city while maintaining a backyard and plenty of space.  But what are the Texas Home Insurance Costs to live in the suburbs?

As it turns out, you could pay up to three times as much for coverage than the owner of a comparable house in another suburb, depending on where you live.  Natural disaster risks, local building costs, and the area’s loss history have a lot to do with the cost.

The following areas were included in this study and rates are based on a 3 bedroom/2bath 2,000-square-foot brick home.  

10) Arlington (Dallas), Texas
Average Premium $1,761

Dallas’ suburbs  are the most expensive areas to insure a home in Texas, and in the US.  Why?  Because the Dallas area has experienced high property damage costs for the past 10 years ($1.601 billion in repairs) and ranks high in total FEMA declared disasters. In some areas, insurance premiums may be even higher because of the flood insurance requirements.

9) Lakewood (Denver), Colorado
Average Premium $1,379

Denver experiences something called the Denver Convergence Vorticity Zone, an area susceptible to tornadoes, high winds, and other extreme weather.

8) Highland Park (Chicago), Illinois
Average Premium $876

Highland Park experiences temperature swings and storms (wind, snow and ice that can be crippling in the winter) and they have high construction costs. For example a home in this area with a $352,000 replacement cost, would cost only about $250,000 to replace in another area. This has a huge impact on premiums.

7) Franklin (Nashville), Tennessee
Average Premium $844

FEMA has declared 16 natural disasters for the area in the past 10 years ($1.593 billion in property damage losses from thunderstorms, tornadoes, and other disasters). But local construction costs are lower than in other parts of the country, so the homes in the area don’t require as much dwelling coverage as they would in other cities.

6) Hudson (New York City), New York
Average Premium $837

Hudson experiences lower property damage costs and fewer total weather events. However, it also has the highest number of major disaster declarations by FEMA and some of the highest local construction costs.

5) Merion Station (Philadelphia), Pennsylvania
Average Premium $704

FEMA only declared 17 total disasters for Pennsylvania in the past 10 years and Pennsylvania typically sets low rates statewide. However, they do have relatively high construction costs which may counteract some of the low risks involved.

4) Alamo Heights (San Antonio), Texas
Average Premium $702

Texas typically has higher statewide rates because it is vulnerable to every major natural disaster: tornadoes, thunderstorms, hurricanes, wildfires, drought, and even earthquakes, causing property damage and with considerable insurance risk. However, Alamo Heights is one of the least expensive areas for home replacement costs.  This means homes in the area require less dwelling coverage, so rates are typically lower.

3) West Hollywood (Los Angeles), California
Average Premium $684

West Hollywood frequently experiences dry spells and droughts don’t generate many insurance claims. The Los Angeles area has only experienced nine natural disaster days with injury in the last 10 years. They do have high replacement costs compared with the same home in other cities (3 bedroom/2 bath 2000sf brick home: $388,000).

2) Chula Vista (San Diego), California
Average Premium $628

Chula Vista has a low frequency of major natural disaster declarations by FEMA, they have a low crime rate and Mediterranean-style weather. Residents might be required to purchase either earthquake or flood insurance or both, which will cause rates to increase.

1) Mesa (Phoenix), Arizona
Average Premium $555

Mesa is in the Sonoran Desert, so it’s hot but not as prone to violent storm damage. Of the states evaluated, Arizona had the lowest statewide rates. However, high winds, wildfires, and even floods can impact Arizona.  A standard home insurance policy excludes coverage for flood damage, so a separate flood insurance policy, may be required.  Mesa had a low number of major disasters and low insured losses, which help to keep the insurance rates down.

How does your suburb compare?  In general, if your area has a history of large insured losses, a high risk of natural disaster, and higher than average building costs, your premiums will be effected.

Rates change all time, based on natural disaster risks, local building costs, and your area’s loss history.  So you may save some money by comparing rates and reviewing your coverages on a regular basis.  Let one of our experts help.

Compare Texas Auto and Home Insurance Rates

Compare Rates in Texas

Compare Rates in Other States

Data Sources:

1. Insured loss risk was tabulated from the Verisk Analytics ISO Property Claim Service Map. A rating of 1-10 was assigned based on the risk designations.

2. Total recorded weather events from 1/1/04 to 1/1/14, 2014 NOAA National Climatic Data Center Storm Events. http://www.ncdc.noaa.gov/stormevents/

3. FEMA major disaster declarations from 1/1/04 to 1/1/14.

4. Total cost of property damage from 1/1/04 to 1/1/14: NOAA National Climatic Data Center Storm Events Database.

5. Total weather event days with personal injury or death from 1/1/04 to 1/1/14: NOAA

6. Dwelling Coverage (Coverage A) was calculated by comparative rater quoting tools, using one standard home size in each suburb analyzed. (3 bedroom/2 bath, 2000sf brick home)

7. Average premiums were compared with up to four carriers in each location by comparative rater quoting tools.


Cheap Home Insurance

Cheap Home Insurance is Not Always the Best Choice

You may be able to purchase cheap home insurance online directly with an insurance company, you may be able to purchase it with your mortgage company, a local bank or a wholesale club, but they may not always know about all of the discounts, coverages, replacement costs, or endorsements for your area.  They may not have your best interests in mind and where will they be at the time of a loss?

 Buy Home Insurance from a Local Insurance Agent

Our expert local agents will help you protect your assets.  There’s alot to consider when purchasing Texas Home Insurance.  Find out more about the policy coverages, endorsements and discounts that are available to you and let us help you compare.  Our agents would be happy to review your current policy, or any quotes that you have.  We take the time to explain the options and coverages that are available to you to help you make an informed decision.  Your home is probably one of your most valuable assets.  Don’t skimp when it comes to protecting it.

Texas Residential Property Policies

Don’t buy Cheap Home Insurance without knowing what you are getting.   Price is a factor, and we will help you find the best plan for the lowest price.  You don’t want to find out that your policy is missing a coverage after a loss.

Remember, when shopping for insurance, cheap home insurance is not always the best insurance. Get a local agent today.

Get a Home Insurance Quote Online…


then Contact our Local Agent – Austin Insurance Group!

Don't buy cheap home insurance!






Contact Austin Insurance today for a review of your home insurance to make sure you are getting the best plan.  Don’t be under-insured when it come stop a loss.



All-Risk Insurance vs. Named Peril Policy: What is the difference?

Which is Better? All-risk or Named Peril?

All Risk InsuranceAl-lrisk insurance or a named peril insurance policy, which is better in a given situation?

Basically, insurance companies write two types of policies for homeowners and small businesses: named peril and all risk (all-risk is also known as an open peril policy or a comprehensive).

What’s the Difference?

The “named peril” insurance policy covers only what is specifically mentioned in the policy.  If the policy says it doesn’t say you’re covered for vandalism damages or backed up sewers, you are not covered. The named peril insurance policy only covers specific perils, so it is usually less expensive than an all-risk or open peril insurance policy.

A typical named peril policy would cover fire, windstorm, hail, aircraft, riot, vandalism, explosion and smoke. Flood insurance and earthquake insurance are two other common examples of named peril policies, and are generally written as separate policies.   When coverage is written as a named peril basis, the burden is on you, the insured, to prove that one of the named perils caused the loss.

An “all-risk” or open peril policy covers everything that is not specifically excluded in the insurance policy. The all-risk insurance policy usually costs more than the named peril policy because it offers more comprehensive coverage. Also, under an all-risk policy, the burden is not on you, but on the insurance company, to prove that the peril causing the damage is not excluded; if it’s not excluded then coverage applies. The exclusions and limitations are the key to determining what coverage is provided by an all-risk policy.

The most common perils excluded in an all-risk policy include:


•Flood, mudslide, seepage & sewer backup (and sometimes surface water that builds up after heavy rains, underwater springs, groundwater, burst water pipes, overflowing toilets, and wind or wave-driven water)

•Governmental seizure or destruction of property

•Boiler explosion

•Off-premises utility service interruption

•Building ordinance or law

•Seepage or leakage of water over a period of time

•Electrical damage to electrical devices

•Employee dishonesty

•Wear and tear; rust, corrosion, fungus, decay, deterioration, hidden or latent defect smog; settling, cracking, shrinking, or expansion; nesting, infestation or release of secretions by insects, birds, rodents or animals

•Damage to building interiors by rain, snow, sleet, ice, sand, or dust unless the roof or walls are first damaged – except damage by thawing of snow, ice or sleet

•Mechanical breakdown

•Theft of building materials and supplies not yet attached to buildings


•Earthquake or earth movement

So which insurance is the better choice?

If you are paying a mortgage, it is unlikely that you will have a choice. Most lenders require that you carry a comprehensive policy to protect their investment.

For all others, the type of insurance to purchase should be based on your needs depending on the type of property you have and your. The advantage of an all-risk policy is that it covers you in the event you have a loss that you did not predict. Even though all-risk policies may cost you  a little more, in a world where freak accidents happen, the broader your insurance coverage protection, the better off you will probably be. Just be sure to read the fine print so that you are clear about the stated exclusions.

Austin Insurance Group | Local Texas Auto Insurance Agent | (512)339-2901 | All Risk Insurance vs. Named Peril Policies


Austin Insurance Group - Local Authorized Agent

Local Authorized Agent


Texas Home Insurance – Trampolines

Texas Home Insurance Trampolines

Before you buy a trampoline, here are some facts you should know about Texas home insurance trampolines.

1. Trampolines are dangerous.

Insurance companies do not want to insure a homeowner that owns a trampoline, because they are dangerous.  If you own one, you should consider getting rid of it.  They are extremely dangerous.  Look up trampoline injuries on the internet.  Most injuries include broken teeth, broken bones (repaired w/ pins and plates).  These are major and very expensive injuries. Some injuries also include fractured spines, fractured coccyx, paralyzation, even death.    There is a reason insurers won’t insure people with trampolines, they have HIGH claims payouts.

Texas Home Insurance - No Trampolines

A trampoline is just an accident waiting to happen. It’s not “if”… it’s “when.”

2. Trampolines may not be covered under your Texas Home Insurance

Coverage depends on what state you live in.  It also depends on which company insures your home.  Most companies in Texas will not insure you if you own a trampoline.  Or they will cancel or non-renew your home insurance when they find out that you have one.  And when you purcase home insurance,  without disclosing the trampoline, if something does happen and you file a claim related to the trampoline, the insurance company will most likely cancel your policy once the claim has been settled unless it’s something that is covered.  If any member of your household gets injured on the trampoline, your homeowner’s insurance will not cover it.

The best way to find out if trampoline injuries are covered on your policy and whether their will be a premium increase or cancellation,  is to contact your carrier or agent.  Whatever they tell you, you should confirm their statements in writing just in case it is ever an issue in the future.

3. Why would a Trampline affect your rates?

Basically the insurance companies do not want to cover potentially dangerous risks around your home.  It’s a liability issue.   Since trampoline injuries are a common reasons for emergency room visits in the US, you can see why some companies would shy away from this type of coverage.  Trampolines are the second highest claim cause, and the highest claim dollars paid out.

If you cannot afford your insurance premium because you have a trampoline, you may want to consider removing it from your property.

4. Legal issues regarding trampolines.

If you decide to get one — we would recommend not letting anyone, who is not a resident of your household, use it.

When they use it and get hurt, they could sue you. You can be held responsible for their injuries (especially minor children). If you want to let others use it, I’d recommend you see a lawyer.  Pay him to draw up a waiver and have the person who wants to use the trampoline sign the waiver. If a minor wants to use the trampoline, have both of their parents sign the waiver. Then keep the waivers on file.  The waiver might help if you get sued when a person hurts themselves, but there is no guarantee. A lawyer can tell you better if this would help.

Even if you have all of the waivers signed by people you KNOW will be jumping, it is an attractive nuisence, meaning, even if you are not home & post no trespassing signs, if someone trespasses & jumps & gets hurt, you are 100% liable.  You have no defense. If you do not tell an insurance company about the trampoline & you have a claim (any claim – doesn’t have to be trampoline related, coverage will most likely be denied & your policy voided for material misrepresentation. )   If someone is injured while using your trampoline,  it  could be financially devastating.

Insurance companies simply consider trampolines too high of a liabilty risk.  Your own kids would not be covered anyway, it’s the other kid’s parents who will sue you.   So, tell your kids it is dangerous & get rid of it.

5. Compare Texas Home Insurance rates before you buy a Trampoline.

If you own a home with a trampoline, you will most likely pay more money for your insurance.  Or you may find out that your insurance policy has a trampoline exclusion and will not pay for any injuries resulting from a trampoline. You need to make sure you discuss this with your insurance agent when you are shopping around for home insurance policy.

If you do not already own one, you may want to check with your current company to see if it will be covered and then shop around to see if it’s worth it. After doing the research, if you have a trampoline or still want to purchase one, Austin Insurance Group represents companies that will provide home insurance for homeowners who own a trampoline.

Make sure you understand your insurance policy and all of the items that are covered.

Our Advice:

Do not own one, unless you want to open yourself to the law suit when someone takes a bad bounce (and no, the nets won’t prevent these injuries,) The fact that the home insurance companies do not want to insure you, if you have a trampoline, should be a tip off.

However, if you have a trampoline and do not want to remove it, make sure you have a net around the trampoline and even a fence to keep out uninvited neighborhood children.

Call Austin Insurance Group for a free quote.  The last thing you need is a lawsuit from the neighbor, and then you find out that your insurance won’t pay.

Austin Insurance Group | Local Texas Auto Insurance Agent | (512)339-2901 | Texas Home Insurance and Trampolines

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