Does Homeowners Insurance Cover Trampolines?

Whether your homeowners insurance covers a trampoline depends on your insurance company and policy. Trampoline insurance isn’t a stand-alone policy — it refers to how your existing homeowners insurance handles trampoline-related risks.

Trampolines are fun but high-risk. Emergency rooms treat roughly 110,000 trampoline injuries each year, according to the American Academy of Pediatrics. Insurers classify trampolines as an attractive nuisance — a property feature that can lure and potentially harm children — which is why they scrutinize trampoline ownership closely.

Here’s what you should know about trampoline coverage, exclusions, liability risks, and ways to stay insured.

Does homeowners insurance cover trampolines?

Some homeowners insurance policies cover trampolines, but coverage and requirements vary by insurance company. If someone is injured on your trampoline, the personal liability portion of your homeowners policy may help pay for their medical bills and legal costs, up to your coverage limits.

That said, many insurers take a cautious approach. Some insurance companies provide coverage only if certain safety measures are in place, like a safety net enclosure or fenced yard. Others exclude trampoline-related injuries entirely. Most insurers also require you to disclose trampoline ownership when applying for or renewing your policy.

It’s important to note that coverage applies only when the trampoline is used recreationally, not commercially. Failing to disclose a trampoline can result in denied claims or non-renewal of your insurance policy. Before purchasing a trampoline, contact your insurance agent to understand how it’ll affect your coverage.

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Why insurance companies consider trampolines high risk

An attractive nuisance is something on your property that could attract and potentially harm children, even if they’re trespassing. Trampolines are one of the most common examples, alongside swimming pools. Under this legal concept, homeowners bear responsibility for keeping children safe from these hazards on their property.

Trampoline injuries can be severe. Common injuries include fractures, sprains, head injuries, and spinal injuries. At least 90% of trampoline-related injuries happen to children, and most of those injuries happen to children between the ages of 5 and 14, according to the American Academy of Orthopedic Surgeons (AAOS).^[1]

Due to its nature as an attractive nuisance, insurers are especially concerned about neighborhood children using a trampoline without permission and a potential lack of adult supervision. Additionally, more than three-quarters of all trampoline injuries occur when multiple jumpers are bouncing at once, according to the AAOS.

What trampoline-related claims does homeowners insurance cover?

If your homeowners insurance policy provides trampoline coverage, your policy may cover the following types of trampoline-related claims:

• 

  Guest injuries

  If a visitor is injured on your trampoline, personal liability coverage may help pay for their medical bills and legal expenses.

• 

  Property damage

  If a windstorm or vandalism damages your trampoline, personal property coverage may pay to repair or replace it.

• 

  Medical payments coverage

  A homeowner policy’s medical payments coverage pays for minor guest injuries regardless of fault, typically up to $1,000–$5,000.

For example, say a neighbor’s child breaks an arm on your trampoline. Medical payments coverage could pay for the emergency room visit. If the parents sue, personal liability coverage may handle legal fees and settlement up to your policy limit.

Keep in mind that any payouts you receive are subject to your policy’s coverage limits, deductible, and exclusions.

Safety requirements insurers may impose

Insurers may require safety precautions before providing coverage, including:

• Safety net enclosure

• Locked or fenced yard

• Adult supervision

• One-jumper rule

• Secure anchoring

Some insurers require written proof of these precautions or may inspect your property to verify that you’re in compliance with your policy requirements. Failure to meet requirements can void coverage.

When homeowners insurance won’t cover trampolines 

Many home insurance policies exclude trampoline injuries. Here are common situations where your homeowners policy won’t pay:

• Injuries to household members: Homeowners insurance covers guest injuries, not injuries to you or your family. Your health insurance would handle those medical bills.^[2]

• Injuries when safety features are missing: If your insurer requires a safety net or fencing and you haven’t installed them, it may deny any claim you submit.

• Commercial or rental use: Using your trampoline for business purposes requires separate liability insurance.

• Intentional misuse or reckless behavior: If an injury results from dangerous behavior you knowingly allowed, your insurer may deny the claim.

• Claims if the trampoline wasn’t disclosed: If you never told your insurance company about your trampoline, your insurer could deny your claim, and it may cancel your policy.

How does a trampoline affect your home insurance rates?

Owning a trampoline may increase your home insurance premium because it raises the likelihood of liability claims. Beyond higher rates, a trampoline can trigger an underwriting review where your insurance company evaluates whether to continue covering your home.

In some cases, the insurer may exclude trampoline-related claims, or it may choose not to renew your homeowners policy altogether. Disclosure is critical because if you don’t tell your insurance company about a trampoline and later file a claim, it can be denied.

Insurer rules on trampolines vary widely. Different insurance companies have different standards — some are more trampoline-friendly than others, so comparing quotes before buying or renewing can help you find better rates and fewer restrictions on your insurance coverage.

Average cost to insure a home with a trampoline

Homeowners with a trampoline on their property typically pay more for home insurance. Based on Insurify data, the table below shows the average annual rate difference for homes with $300,000 in dwelling coverage. Note that exact pricing depends on your location, insurer, and policy details.

House Type	Average Annual Rate
House with a trampoline	$2,785
House without a trampoline	$2,532

Disclaimer: Table data is based on real-time quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.

How much liability coverage do you need with a trampoline?

Trampoline injuries can lead to expensive medical bills, and injured parties may sue for damages beyond what a standard policy covers. Because trampolines carry a high risk of serious injury and lawsuits, it’s possible for a claim to exceed standard coverage limits.

As a result, insurance agencies generally recommend that trampoline owners maintain a minimum of $300,000 in liability coverage, but $500,000 or more is preferred.^[3]

For added protection, consider umbrella insurance. An umbrella policy adds $1 million or more in extra liability insurance on top of your homeowners policy and usually costs just a few hundred dollars per year.

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How to insure a home with a trampoline

Follow these steps to make sure your homeowners insurance policy covers your trampoline:

1. Confirm whether your current insurer allows trampolines. Contact your insurance agent and ask whether trampolines are covered and how that might affect your premium.

2. Ask about coverage restrictions and safety requirements. Find out what safety precautions your insurer requires.

3. Upgrade liability limits. Increase your liability coverage to at least $300,000, though experts recommend up to $500,000 in liability coverage.

4. Install safety features and fencing. Set up a safety net enclosure, anchor the trampoline, and install a fence with a locking gate. Good trampoline safety reduces your risk and satisfies your insurance company’s requirements.

5. Consider an umbrella policy. Umbrella insurance adds $1 million or more in extra liability coverage.

6. Compare trampoline-friendly insurers before renewal. Not all insurance companies treat trampolines the same way, so take your time to shop around and find the right fit.

Be sure to document safety upgrades you make with photos or receipts to support your coverage if you ever need to file a claim.

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