Many householders who will hold garden and family parties during the seasons may need to check that they have adequate home insurance, as what started as a friendly gathering could turn into a catastrophic compensation cost if an accident occurs.

Almost four in ten children hurt themselves on trampolines, and require operations. More than 4,000 children under the age of 15 suffered injuries last year. 11,500 people in the UK went to hospital in 2002 after a trampoline related accident. Many insurers do include cover for bouncy castles, swimming pools and trampolines in their basic home cover package under contents or building cover. However, those who choose a cheaper option may not always win.

If your home is not fully insured the cost of medical bills can run high, so it is important to check with an insurance provider how extensively covered your home will be.

Jennifer Culley a spokesperson for an insurance firm stated: “Legal costs for liability claims can vary [...] depending on the severity of the claim.” Culley continued “legal costs for the most severe cases can run into the millions.”

This shows how important it is to be covered for not only physical damage but cover for legal expenses too. It makes sense that when hiring items for a function that will be held at home, to contact a home insurer provider to discuss the specifics of the hire and to understand what your policy covers.