Trampolines provide hours of fun for kids and adults, but they also come with risks. Many homeowners do not realize that having a trampoline in their yard could impact their insurance coverage. Some insurance companies cover them with conditions, while others exclude them entirely. Before setting one up, it is essential to understand how insurance providers handle trampoline-related claims and liability.

1. How Homeowners Insurance Views Trampolines

   Insurance companies classify trampolines as an “attractive nuisance,” meaning they pose a higher risk of injury. Some policies allow them but require safety measures like net enclosures and secure anchoring. Others exclude trampoline-related claims entirely or even refuse to insure homes with trampolines.

   Reviewing your policy and speaking with your provider before installing a trampoline can help prevent coverage issues. Meeting safety requirements can also improve your chances of maintaining coverage.

2. Liability Risks and Injury Coverage

   Trampoline accidents happen more often than people realize. Sprains, fractures, and head injuries are common, especially if multiple people jump at once. If a guest or neighborhood child gets injured on your trampoline, you could be responsible for medical bills and legal claims.

   Most homeowners insurance includes liability coverage, but not all extend to trampoline-related incidents. Some insurers exclude trampoline injuries entirely, leaving homeowners to cover costs themselves. Checking your policy ensures you understand your liability risks.

3. Property Damage and Trampoline Claims

   Trampolines pose injury risks and can also cause property damage. Strong winds or storms can lift an unsecured trampoline, sending it into fences, cars, or homes.

   Some insurance providers cover damage caused by a trampoline, but only if safety conditions are met. Failing to secure a trampoline properly may result in denied claims. Anchoring it to the ground and storing it during severe weather can help prevent damage.

4. Trampoline Exclusions and Policy Changes

   Some insurance policies list trampolines as exclusions, meaning they do not cover related injuries or damages. Others require homeowners to inform their providers before setting one up. Adding a trampoline without notifying your provider could lead to denied claims or policy cancellations.

   Before buying a trampoline, ask your insurance company about coverage details. If your current policy does not allow trampolines, shopping for a different policy may be necessary.

5. Steps to Stay Protected

   • Review your homeowners insurance policy to check if trampolines are covered

   • Ask your insurance provider about safety requirements to maintain coverage

   • Install safety features like a net enclosure, padding, and proper anchoring

   • Consider an umbrella insurance policy for extra protection in case of an accident

   • Regularly inspect the trampoline for wear and tear to reduce risks

Smart Coverage with Weeks & Associates Insurance Services

Homeowners insurance and trampolines do not always work together. Understanding your policy’s stance can prevent financial risks and ensure you are covered. At Weeks & Associates Insurance Services, our team is here to help you review your options and find the right coverage for your needs. If you are unsure about your insurance options, speaking with an expert can help.

Contact us today or call our team at 805-497-6607 for more information on homeowners insurance and other coverages.