Does Homeowners Insurance Cover Trampolines? Risks & Safety Rules

Backyard trampoline and homeowners insurance risk

Does Homeowners Insurance Cover Trampolines?

A backyard trampoline can turn into an expensive insurance problem fast if someone gets hurt, a storm sends it flying, or your insurer says you never disclosed it. The real risk is not just the trampoline itself. It is the claim denial, premium increase, liability lawsuit, or policy cancellation that can follow if your homeowners insurance company treats it as a high-risk hazard.


Before you install one, let your kids invite friends over, or assume your policy will handle injuries and storm damage, check how your insurer handles trampolines. Some companies cover them, some require safety features, some charge more, and others exclude trampoline-related claims entirely.

Table of Contents

Does a Trampoline Affect Homeowners Insurance?

Yes, a trampoline can affect homeowners insurance because insurers often see it as a liability risk. A trampoline increases the chance that a guest, neighbor’s child, or visitor could get injured on your property. It can also create property damage risk if wind lifts the trampoline and sends it into a fence, car, roof, window, or neighboring yard.

Some homeowners insurance companies may cover trampolines under a standard policy. Others may require a safety net, locked fence, anchoring system, soft landing surface, or written disclosure. Some insurers may raise your premium, add a trampoline exclusion, limit liability coverage, or refuse to insure homes with trampolines.

Key Point

Always tell your insurance agent before installing a trampoline. Hiding it can create bigger problems later, especially if the insurer discovers it after an injury claim or aerial property inspection.

For insurer-side guidance, you can review Progressive: Does homeowners insurance cover trampolines? and Allstate: Does homeowners insurance cover trampolines and tree houses?.

Trampoline Insurance Rules Table

Situation What It May Mean Use Instead
You install a trampoline without telling your insurer The insurer may deny related claims or question your policy eligibility. Notify your agent before installation and ask for written coverage confirmation.
A guest is injured while jumping Liability coverage may apply if trampolines are not excluded. Check policy exclusions, safety rules, and liability limits before allowing use.
A household member is injured Liability coverage usually does not pay for injuries to people who live in the home. Review health insurance and medical payments coverage separately.
A storm destroys the trampoline Personal property coverage may apply if the cause is covered. Check your deductible, personal property limits, and named peril rules.
Wind blows the trampoline into a neighbor’s property Liability may depend on whether the trampoline was properly secured. Anchor it, document safety steps, and store it before major storms when possible.
Your insurer excludes trampolines Claims tied to trampoline injuries or damage may not be covered. Shop for a trampoline-friendly insurer or remove the trampoline.

Does Homeowners Insurance Cover Trampoline Injuries?

Homeowners liability insurance may cover trampoline injuries when a guest, visitor, or neighbor’s child is hurt on your property and the policy does not exclude trampolines. Coverage may help pay for medical costs, legal defense, and settlement costs if you are legally responsible.

Coverage is not automatic. Your insurer may require safety measures, such as a net enclosure, fenced yard, posted rules, proper anchoring, and adult supervision. If your policy has a trampoline exclusion, the insurer may deny injury claims connected to trampoline use.

Guest Injuries

If a friend’s child breaks an arm or a visitor is injured while jumping, liability coverage may apply if the policy allows trampoline claims. Your insurer will review what happened, whether safety precautions were in place, and whether you were negligent.

Household Member Injuries

Homeowners liability coverage usually does not pay for injuries to people who live in your household. If your child or another resident is injured on the trampoline, health insurance is more likely to be involved than homeowners liability coverage.

Medical Payments Coverage

Some homeowners policies include small medical payments coverage for guests, regardless of fault. This coverage is usually limited and may still be affected by trampoline exclusions or policy conditions.

Injury Claim Warning

If children from the neighborhood can access the trampoline without permission, your liability risk can increase. Insurers may expect fencing, locks, supervision, and clear safety controls.

Does Homeowners Insurance Cover Trampoline Storm Damage?

Homeowners insurance may cover a trampoline damaged by a covered peril, such as wind, hail, lightning, fire, or a tornado, depending on your policy. The trampoline may be treated as personal property, which means your deductible and personal property limits may apply.

If the trampoline damages someone else’s property during a storm, the claim becomes more complicated. If it was properly anchored and an extreme storm still moved it, the damage may be viewed differently than if the trampoline was left unsecured during high winds.

When the Trampoline Itself Is Damaged

If a covered storm damages the trampoline, your personal property coverage may help replace or repair it. However, the claim may not be worth filing if the trampoline’s value is lower than your deductible.

When the Trampoline Damages Your Home

If wind throws your trampoline into your siding, windows, roof, deck, or fence, your dwelling or other structures coverage may apply depending on the cause and policy terms.

When the Trampoline Damages a Neighbor’s Property

If your trampoline hits a neighbor’s car, fence, window, or house, liability coverage may be reviewed. The insurer may ask whether you took reasonable steps to secure it before the storm.

Storm Tip

Anchor the trampoline year-round and consider disassembling or moving it before major storms. Take photos of the anchoring system so you can show the insurer you took reasonable precautions.

Why Insurers Consider Trampolines Attractive Nuisances

Many insurers classify trampolines as attractive nuisances. An attractive nuisance is something on your property that may attract children and create injury risk, even if those children were not invited.

This matters because a trampoline can tempt children to enter your yard and jump without supervision. If someone gets hurt, the homeowner may still face a liability claim depending on the facts, local law, and safety precautions.

Common Attractive Nuisance Concerns

  • Children using the trampoline without permission
  • No locked fence around the yard
  • No safety net enclosure
  • Multiple jumpers at one time
  • Flips, rough play, or unsafe use
  • Trampoline placed near concrete, fences, trees, or hard surfaces
  • Damaged springs, torn mats, or worn padding

Important Coverage Detail

Even if your insurer allows trampolines, it may expect you to maintain the trampoline safely. Poor maintenance or ignored hazards can make a claim harder to defend.

Cost of Adding a Trampoline to Homeowners Insurance

The cost of adding a trampoline to homeowners insurance varies by insurer, state, property setup, safety features, liability limit, and underwriting rules. Some companies may not charge extra. Others may increase your premium, require an endorsement, or ask you to raise liability coverage.

There is no universal trampoline insurance price because insurers treat the risk differently. The same trampoline may be acceptable to one company and excluded by another.

Factors That Can Affect Cost

  • Whether trampolines are allowed by the insurer
  • Whether the yard is fenced
  • Whether the trampoline has a net enclosure
  • Whether the trampoline is anchored
  • Your liability coverage limits
  • Your claims history
  • Your location and storm risk
  • Whether you add umbrella liability coverage

Premium Reality

The cheapest policy is not always the safest choice if it excludes trampolines. A slightly higher premium may be better than having no coverage after a serious injury claim.

Homeowners insurance rules can apply to many trampoline styles and backyard jumping products unless your policy or insurer says otherwise. Brand names and product types do not guarantee coverage. What matters is whether your insurer allows the item and whether you follow the required safety rules.

Common Trampoline Types and Related Items

  • Round backyard trampolines
  • Rectangular trampolines
  • Springfree trampolines
  • Skywalker trampolines
  • JumpSport trampolines
  • Upper Bounce trampolines
  • Mini exercise rebounders
  • In-ground trampolines
  • Water trampolines
  • Trampoline basketball hoop attachments
  • Safety net enclosures
  • Spring pads and frame pads
  • Anchor kits
  • Ladders and access steps
  • Trampoline covers

Practical Safety Tip

Save the trampoline manual, receipt, model details, safety enclosure information, and anchor kit photos. If your insurer asks for proof of safety features, you will have documentation ready.

How to Get Trampoline Coverage

The best time to confirm trampoline coverage is before you buy or install one. Do not wait until someone is injured or a storm damages property. Call your insurance agent and ask direct questions about how your policy treats trampolines.

Steps to Confirm Coverage

  1. Ask whether your homeowners policy allows trampolines.
  2. Ask whether trampoline injuries are covered under liability insurance.
  3. Ask whether the trampoline itself is covered as personal property.
  4. Ask whether storm damage caused by the trampoline is covered.
  5. Ask whether a safety net, locked fence, or anchor kit is required.
  6. Ask whether your premium or deductible will change.
  7. Ask whether an umbrella liability policy is recommended.
  8. Get the answer in writing or save the policy endorsement.

Extra Liability Protection

Because trampoline injuries can become expensive, some homeowners consider an umbrella insurance policy for additional liability protection above their homeowners policy limits.

How to Reduce Trampoline Claim Risk

Reducing trampoline risk protects both your family and your insurance record. Insurers may look more favorably on homeowners who take visible safety steps and maintain the trampoline properly.

Safety Measures That May Help

  • Install a safety net enclosure
  • Use spring and frame padding
  • Anchor the trampoline securely
  • Place it on level ground
  • Keep it away from fences, trees, concrete, pools, and decks
  • Limit use to one jumper at a time
  • Supervise children while jumping
  • Do not allow flips or rough play
  • Remove the ladder when not in use
  • Lock the yard gate when unsupervised
  • Inspect the mat, springs, net, and frame regularly
  • Replace damaged parts quickly

Better Claim Position

  • Trampoline disclosed to insurer
  • Safety net installed
  • Yard fenced and locked
  • Anchor kit used
  • Regular inspections documented
  • Clear rules for guests and children

Higher Claim Risk

  • Trampoline hidden from insurer
  • No enclosure or padding
  • Unsupervised neighborhood access
  • Multiple jumpers at once
  • Damaged mat, springs, or frame
  • Not anchored before strong winds

Trampolines, Storms and Act of God Claims

If strong winds carry your trampoline into a neighbor’s property, insurance may look at whether the damage was truly unavoidable or whether better precautions could have prevented it. A properly anchored trampoline carried away by extreme weather may be treated differently than a loose trampoline left unsecured during a storm warning.

Some storm damage situations may involve an Act of God in homeowners insurance, but that does not automatically remove every responsibility. The facts matter: weather severity, anchoring, maintenance, warning time, and whether you acted reasonably before the storm.

Storm Liability Warning

Failing to properly anchor your trampoline can turn storm damage into a preventable liability claim. It may also affect future premiums or make your insurer view your property as a higher risk.

What to Do Before Buying a Trampoline

Before buying a trampoline, treat it like an insurance decision, not just a backyard purchase. A few calls and safety upgrades now can prevent expensive problems later.

Pre-Purchase Checklist

  1. Call your homeowners insurance agent and ask whether trampolines are covered.
  2. Ask whether the insurer requires fencing, netting, padding, or anchoring.
  3. Review your liability limits and consider whether they are high enough.
  4. Ask whether an umbrella policy makes sense for your household.
  5. Check local rules, HOA rules, or rental property restrictions if applicable.
  6. Choose a model with strong safety features and available replacement parts.
  7. Install the trampoline away from hard surfaces, trees, fences, and pools.
  8. Keep receipts, manuals, photos, and proof of safety equipment.

If your insurer refuses coverage or adds an exclusion, you may need to remove the trampoline, shop for another company, or accept that trampoline-related claims may not be covered. You can also compare how insurers treat other property risks in How Homeowners Insurance Works and Why You Need It.

Use these guides to understand other homeowners insurance risks, exclusions, cancellations, and claim problems that can affect your policy.

Frequently Asked Questions FAQ’s

Does homeowners insurance cover trampolines?

It depends on your insurance company and policy. Some insurers cover trampolines, some require safety features, some charge more, and others exclude trampoline-related claims entirely.

Does homeowners insurance cover injuries on a trampoline?

Homeowners liability coverage may cover injuries to guests or visitors if trampoline claims are not excluded. Injuries to household members are usually not covered under liability coverage.

Can a trampoline increase my homeowners insurance premium?

Yes. Because trampolines can increase injury and liability risk, some insurers may raise premiums, require an endorsement, increase safety requirements, or refuse coverage.

Can my insurance company cancel my policy because of a trampoline?

Some insurers may cancel or non-renew a policy if trampolines are not allowed under their underwriting rules, especially if the trampoline was not disclosed or does not meet safety requirements.

Will homeowners insurance replace a trampoline damaged in a storm?

It may, if the trampoline is covered as personal property and the damage was caused by a covered peril such as wind, hail, lightning, fire, or tornado. Your deductible and policy limits still apply.

What happens if my trampoline damages my neighbor’s property?

Your liability coverage may be reviewed if your trampoline damages a neighbor’s property. Whether your policy pays can depend on the cause, your negligence, and whether the trampoline was properly anchored.

Is a trampoline considered an attractive nuisance?

Yes, many insurers treat trampolines as attractive nuisances because they may attract children onto the property and create injury risk, even when children were not invited to use them.

How can I reduce insurance risks with a backyard trampoline?

Tell your insurer, install a safety net, use padding, anchor the trampoline, fence the yard, supervise use, limit jumpers, inspect it regularly, and remove access when no adult is watching.

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