Everyday we see risks, take risks and find ourselves paying more for the risks we take. The more risks you take, the higher your insurance rates will end up. Do the toys we buy our kids increase our insurance risk factor. Back in 2005, Jumpking Inc. recalled about 1 million trampolines and nearly 300,000 trampoline enclosures after receiving reports of injuries including lacerations and a concussions. This was reported by the Consumer Product Safety Commission. Out the many reports made, how many injured victims happened to be for the neighbor kid. Did the neighbor kid’s parents sue the owner of the trampoline. If so, this would be just another example of increased homeowners insurance rates due to the risk taken for owning a Trampoline. To establish and maintain the lowest insurance rates always avoid unnecessary risks and pay close attention to the risks you must take, like driving through evening rush hour or locking the doors before entering a shopping mall. Sometimes lowering your risks will get you insurance discounts right from the get-go. For example, buying a car with air bags, antilock brakes and new safety features. Other benefits to reducing risk include the money you will save in more ways than one and avoiding the stress that comes with a high risk taking lifestyle.