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Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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If you have a trampoline on your property, you may wonder whether your home insurance covers your trampoline and potential related injuries. Between 2009 and 2018, more than 800,000 children experienced a trampoline injury in the U.S., according to the National Electronic Injury Surveillance System database.[1]
Your home insurance may cover your trampoline, but you can’t buy a separate trampoline insurance policy. If your homeowners insurance includes trampoline coverage, you can expect a higher rate due to the extra risk it poses to the insurer.
Here’s what you need to know about trampoline insurance.
Quick Facts
A homeowners insurance company may offer trampoline coverage all the time, in specific scenarios, or it can exclude it altogether.
Your home insurance policy can cover you if someone sustains an injury due to your trampoline or if a covered peril damages it.
As a homeowner, you have the responsibility to take certain safety precautions and reduce the risk of trampoline-related injuries and insurance claims.
Homeowners insurance and trampolines
Homeowners insurance companies typically approach trampoline coverage in one of three ways:
Always covered: Your home insurance policy will cover claims related to your trampoline in just about every circumstance. Whether a guest jumps on it and incurs an injury or your trampoline sustains damage as a result of a covered peril — such as a storm — it’ll kick in.
Covered under some circumstances: In many cases, home insurance companies only cover your trampoline if you take specific safety precautions. For example, your insurer may require you to add a safety net or have a fence around your trampoline.
Never covered: Because a trampoline adds greater risk to your property, it’s not uncommon for home insurers to exclude insurance coverage for trampolines. Some home insurance companies may deny you coverage unless you dispose of the trampoline.[2]
Important Information
Before you move forward with a homeowners insurance policy, you should reach out to the insurer directly or ask your insurance agent if it includes trampoline coverage. Ideally, you’d do this before you purchase a trampoline.
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What trampoline insurance covers
If you have a home insurance policy that covers trampoline-related claims, a few coverages in your policy can protect you. The following coverages are part of HO-3 policies — the most common type of homeowners insurance.
Learn more about how home insurance can provide trampoline coverage below.
Personal liability coverage
If someone suffers an injury on your property, personal liability coverage will apply. For example: Let’s say a boy in your neighborhood jumps on your trampoline and breaks his arm. In the event his parents sue you, personal liability insurance would help pay for your expenses.
Dwelling and other structures coverage
Dwelling and other structures can cover the costs to repair or rebuild your home as well as other structures on your property. If your trampoline leads to a broken window after a covered peril, like a tornado, this type of coverage would reimburse you for the costs of a new window.
Personal property coverage
If someone sues you for a trampoline injury in your yard, you may have to pay a high out-of-pocket cost without personal property coverage. A personal umbrella policy will increase your limit and can protect your personal assets in this situation.
How a trampoline affects home insurance rates
When you have a trampoline on your property, the risk of injuries and liability claims against you increase automatically. Therefore, you can expect higher home insurance rates than if you didn’t own a trampoline. If you don’t currently have a trampoline but plan to purchase one in the future, your premiums will likely rise once you notify your home insurance company of it.
You omit a trampoline from your homeowners policy. You may personally choose to exclude trampoline coverage from your policy. This may lead to lower home insurance premiums but can leave you with high out-of-pocket costs for medical bills and legal fees down the road.
The insurer won’t sell coverage to a home with a trampoline. Some homeowners insurance companies might deny you coverage if you have a trampoline. The increased risk may not be worth it to them.
You didn’t tell your insurer you have a trampoline. It’s your responsibility to let your homeowners insurance company know you have a trampoline on your property. If you don’t, you can’t expect them to cover it.
You didn’t take specific safety precautions required by your policy. In order to receive coverage for your trampoline, your home insurer may ask you to install safety equipment, like a safety net or fence around it. If you don’t adhere to the insurer’s safety requirements, the insurer won’t provide trampoline coverage.
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How to avoid trampoline injuries and claims
While trampolines increase the risk of injuries and claims, you can take steps to increase trampoline safety and avoid injury, such as:
Set up a safety net. A safety net is an important investment if you have a trampoline. It can significantly reduce the risk of someone falling.
Maintain adult supervision. An adult should always watch children on the backyard trampoline, particularly if younger kids are jumping.
Inspect the trampoline often. Assess your trampoline on a regular basis. Look for damaged or worn supporting bars, springs, and other parts and replace them as necessary.
Allow one jumper at a time. If possible, restrict trampoline use to only one jumper. Multiple jumpers can increase the risk of injuries.[3]
Trampoline insurance FAQs
The following information should help you understand if home insurance covers your trampoline.
Does getting a trampoline increase your homeowners insurance?
Yes. Having a trampoline will typically increase home insurance costs because it increases the risk of injuries and claims occurring on your property.
How much does it cost to add a trampoline to homeowners insurance?
It depends. The price of trampoline coverage varies by home insurance company. It’s a good idea to shop around and compare your options to find the best deal.
Should you tell your homeowners insurance company if you get a trampoline?
Yes. You must inform your home insurer if you have a trampoline on your property. If you don’t, you won’t receive coverage, and your home insurance company may even drop you.
What is an attractive nuisance?
Per the attractive nuisance doctrine, children are too young to know about the dangers of nuisances like a swimming pool or trampoline. If your trampoline is in an area accessible to children — like your backyard — you may be liable for any serious injuries that come from it as a homeowner.[4]
Anna Baluch is a Cleveland-based personal finance and insurance expert. With an MBA from Roosevelt University, she enjoys writing educational content that helps people make smart financial decisions. Her work can be seen across the internet on many publications, including Freedom Debt Relief, Credit Karma, RateGenius, and the Balance. Connect with Anna on LinkedIn.
Anna has been a contributor at Insurify since December 2022.
Edited byKatie PowersAuto and Life Insurance Editor
Katie PowersAuto and Life Insurance Editor
Licensed auto and home insurance agent
3+ years experience in insurance and personal finance editing
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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