Do trampolines raise homeowners insurance? In many cases, having a trampoline can impact both the cost and type of insurance coverage available to you. Insurance companies often view trampolines as a risky feature, which may lead to higher premiums, specific coverage exclusions, or even a refusal to cover homes with trampolines altogether.

Why Insurance Companies See Trampolines as a Risk

Insurance companies focus on minimizing potential liabilities, which means they carefully evaluate risks associated with properties they cover. Trampolines are a top concern because they are linked to a higher rate of injuries, especially among children. Even with safety measures in place, trampolines can lead to accidents, such as broken bones, sprains, and even head injuries. When someone is injured on a trampoline, homeowners may face significant liability costs, which can translate into claims that insurance companies have to pay.

As a result, insurance carriers often see trampolines as a “high-risk” item that can increase the likelihood of accidents and claims. This can lead them to make adjustments to homeowners insurance policies, especially in terms of liability coverage. In some cases, they may raise insurance premiums or exclude trampoline-related incidents from coverage altogether.

How Trampolines Can Affect Homeowners Insurance

Insurance policies handle trampolines differently depending on the carrier. Here’s how a trampoline might impact your policy:

1. Increased Premiums
   Some insurance companies may charge higher insurance premiums if you have a trampoline. This extra cost helps offset the added risk, covering potential liability expenses that could come from trampoline injuries. Before you purchase a trampoline, it’s a good idea to talk to your insurance agent and find out if having one will raise your premiums.
2. Coverage Exclusions
   It’s common for many insurance carriers to exclude trampoline-related injuries from liability coverage. This means that while your insurance will still cover your home and belongings, it won’t protect you if someone is injured on the trampoline. If your policy has this exclusion, you would be responsible for any medical bills or legal fees if someone gets hurt.
3. Refusal to Cover
   Some insurance companies will not cover properties with trampolines at all. They may deny coverage if they find out a trampoline is on the property or require you to remove it as a condition of coverage. This is especially common with insurers that aim to avoid insuring homes with higher liability risks altogether. For this reason, it’s always essential to confirm with your carrier before installing a trampoline, as adding one without permission could even void your policy.

What to Expect from Your Insurance Policy

If you’re thinking about getting a trampoline, the first step is to review your current home insurance policy or reach out to your insurance company. Policies can vary widely, so it’s essential to understand how a trampoline might affect your specific coverage. Some policies may allow trampolines with certain restrictions, like safety nets or secure fencing. In contrast, others may exclude trampolines completely or raise premiums to cover the additional risk.

If your policy doesn’t cover trampolines, or if it includes exclusions, it’s wise to explore your options. Insurance agents can provide details on how to protect yourself, whether that means adjusting your policy or finding a new provider.

What to Do If Your Insurance Doesn’t Cover Trampolines

If you discover that your insurance doesn’t allow trampolines, there are a few options you can consider:

1. Look for a Different Carrier
   Some insurers may offer policies that allow trampolines with specific safety measures. However, be prepared that these policies may come with higher premiums or conditions.
2. Consider Umbrella Insurance
   Umbrella insurance is an additional liability coverage option that may help cover claims related to injuries, even if your main policy has an exclusion. While this won’t make your homeowners policy cover trampoline-related injuries, it provides extra protection in case of a costly claim.
3. Remove the Trampoline
   If keeping your trampoline is likely to result in loss of coverage, removing it may be the best choice to avoid any policy complications. This is often the last resort for families who want a trampoline but need insurance coverage to remain affordable and comprehensive.

Adding a trampoline to your backyard can bring excitement and fun, but it’s crucial to understand how it may impact your homeowners insurance. Many insurance companies consider trampolines a high-risk feature and may respond by increasing premiums, excluding trampoline-related claims, or even refusing to cover your home if a trampoline is present. Before making a decision, review your insurance policy, speak to your agent, and consider the potential costs and responsibilities of owning a trampoline.