It starts with a simple request from your kids — and before you know it, there’s a trampoline in the backyard and a chorus of laughter filling the air. But amid the excitement, there’s a crucial question many homeowners overlook: What does your insurance company think about trampolines?
Trampolines can be a liability risk, and whether or not your homeowners insurance covers them depends on your insurer’s policies. Here’s what you should know before you start bouncing.
Do Homeowners Insurance Companies Allow Trampolines?
The good news is that many insurance providers do allow trampolines, but it often depends on safety measures and how you manage the risk. Factors like whether your trampoline has a safety net, if your yard is fenced, and how accessible it is to others all play a role in determining coverage.
Because each insurer handles trampoline coverage differently, the best approach is to work with an independent insurance agent. They can help you find a company that allows trampolines under its homeowners policies and ensure you’re adequately protected.
How to Qualify for Coverage with a Trampoline
If you want your insurance company to include your trampoline without raising concerns, taking a few precautions can make a big difference:
- Install a safety net and padding. Most trampoline-related injuries happen because of missing safety features. Adding a net and proper padding is often essential to qualifying for coverage.
- Secure your yard. A fence not only keeps neighborhood kids from using the trampoline without permission but also reduces your liability risk.
- Monitor the area. Cameras or a home security system can help you keep an eye on the trampoline and may even lower your insurance costs.
These steps show insurers that you’re proactive about safety, which can make them more willing to offer coverage.
How Much Extra Will It Cost?
Surprisingly, adding trampoline liability coverage isn’t usually expensive. Many companies charge between $25 and $100 per year — a small price for peace of mind. In some cases, your premium may not increase at all.
Should You Tell Your Insurance Company About It?
Absolutely. Failing to disclose a trampoline is a major mistake. If you don’t inform your insurer and someone gets hurt, your claim could be denied due to misrepresentation. Always notify your insurance company, even if you think it might affect your policy. Your agent can help you explore options if your current insurer won’t cover it.
Can Your Policy Be Canceled Because of a Trampoline?
Yes, it’s possible. If your insurer has a strict no-trampoline policy, they have the right to cancel your coverage. However, they must provide notice before doing so. This is another reason why clear communication with your insurance company is essential before setting up that backyard fun zone.
What If You’re a Landlord?
If you rent out your property, allowing a tenant to have a trampoline is risky. Any injuries that occur could lead to lawsuits involving you as the property owner. To protect yourself, it’s best to include a no-trampoline clause in your lease agreement.
Final Thoughts
Trampolines bring joy to kids and adults alike, but they also carry risks — and insurance companies take those risks seriously. With over 100,000 trampoline injuries reported each year, it’s no surprise some insurers exclude them entirely. If you’re thinking about adding one to your yard, take every safety precaution possible and talk to your insurance provider first. A quick conversation now can save you from major headaches later.
