Trampolines are considered an “attractive nuisance” by most insurers. This term refers to features on a property that might attract children and pose a risk of injury — like swimming pools, treehouses, or, yes, trampolines. Even if a child is injured while trespassing on your property, you could still be held liable. There are typically over 100,000 trampoline-related injuries a year in the United States.
Because of the risks associated with trampolines (such as falls, broken bones, or head injuries), insurers typically assess them closely when writing or renewing a policy. Some insurance companies will flat-out refuse to insure homes with trampolines. If you install one, they may cancel your policy or decline to renew it. Others may allow you to keep the trampoline, but add an exclusion clause that removes liability coverage for any injuries related to trampoline use. This means you would be personally responsible for any injuries that occur — a major financial risk. If you lie or do not let your insurance company know about a trampoline, they can deny any claims that arise because of it.
Some insurers offer coverage under certain safety conditions, such as enclosing the trampoline with a net, anchoring it securely to the ground, and keeping it behind a locked gate to prevent unauthorized use.
Before buying or setting up a trampoline in your yard, talk to your insurance agent and ask:
- Does my current policy cover injuries related to trampolines?
- Will installing a trampoline affect my premium?
- Are there safety features I need to install to maintain coverage?
- Will my personal liability or medical payments to others coverage change?
If your policy includes liability coverage and does not exclude trampoline injuries, you may be covered if a guest is injured while using the trampoline with your permission. However, if your coverage is limited or excluded, these incidents could result in expensive out-of-pocket costs — including legal fees, medical bills, or even lawsuits.
To protect yourself, your family, and your guests, install safety nets and padding and make sure the trampoline is on a level surface away from fences, trees, and hard surfaces. Remember to always supervise children and limit jumping to one at a time. The majority of trampoline-related injuries happen when multiple kids are jumping at once.
Trampolines can be a fun way to get outside and be active, but they come with serious insurance implications. Before installing one in your backyard, reach out to us to understand your coverage and any potential risks. It’s better to be proactive than to face an uncovered liability later.
