Does Homeowners Insurance Cover Trampolines?

This article will explain all the facets of the relationship between home insurance and trampolines, from whether or not you’re covered to the associated cost. 

Rules about trampoline insurance coverage vary from insurance company to insurance company. Sometimes, insurers have had bad experiences with trampolines in the past and ban them altogether. Other times, they include trampoline coverage in their standard homeowners insurance automatically. 

Basically, your policy will fall into one of the following categories when it comes to a trampoline and home insurance:

You can read your homeowners insurance policy to find out if it covers trampolines, but, of course, it never hurts to ask your insurance agent or provider just to be sure. It’s a good idea to ask before you get a trampoline. Also keep in mind that your insurer’s rules about trampolines could change over time, so you should check in every time you’re about to renew your policy.

There are tons of insurance providers out there, so this is by no means an extensive list, but here are some home insurance companies that cover trampolines as of when this was written:

The liability portion of your home insurance may cover medical and legal expenses if someone who doesn’t live in your home gets hurt on your trampoline, such as a neighborhood kid. However, liability coverage doesn’t extend to you and other members of your household. 

If your policy excludes trampolines altogether or has a trampoline liability exclusion, you’re on your own to pay for medical and legal expenses if someone gets in a trampoline-related accident. 

Even if your policy covers trampolines automatically, we recommend investing in an umbrella policy, which increases your liability coverage up to $5 million. People, especially children, are more likely to be seriously injured on your property when you have a trampoline, and those medical expenses could easily surpass your standard liability coverage limits. 

The personal property portion of your homeowners insurance probably covers your trampoline. That means that if a covered peril (such as a storm or fire) damages your trampoline, your insurance will pay to repair or replace it up to your policy limit.

Some policies don’t extend to trampolines at all, so it’s best to check with your insurance agent or provider about your coverage.

Technically, there’s no such thing as trampoline insurance. But trampoline coverage on your homeowners or renters insurance policy can add to your premiums. Again, the cost depends on your insurer and your policy. 

Owning a trampoline can make your homeowners insurance more expensive, but only in some cases. If your homeowners insurance covers your trampoline automatically, that coverage won’t affect your rates. On the other hand, if you have to add an endorsement or umbrella policy for your trampoline to be covered, that will increase your costs. 

Yes, you need to disclose your trampoline to your insurer. You might think you can avoid all these concerns about trampolines and insurance simply by not telling your insurance company, but that’s a risky gamble. If your insurer finds out (and they probably will), they might drop you or refuse to pay a claim because you misrepresented (lied about) your property.