+120 more)
)
)
)
)
)
Licensed property and casualty insurance agent
NPN: 21630969
Updated
Trampoline injuries are common. In 2024, an estimated 118,179 trampoline-related injuries were treated in U.S. hospital emergency departments, according to the U.S. Consumer Product Safety Commission (CPSC).[1]
If you’re thinking about getting a trampoline or you already own one, make sure you have enough insurance to cover the risks. “Trampoline insurance” isn’t a separate policy, but coverage is usually part of your personal liability protection in your homeowners insurance policy.
Many of the best homeowners insurance companies may cover trampolines, but coverage and requirements vary by insurer. Here’s how to make sure you have protection.
A trampoline might raise your homeowners insurance costs, but not always.
Umbrella insurance can increase your liability coverage to $1 million or more.
Some insurance policies don’t cover trampolines, so you could be financially responsible for any injuries that happen.
Your homeowners insurance may cover trampoline injuries under your personal liability, but this depends on your insurer. Some companies completely exclude trampolines from coverage, while others may raise your rates if you have one. Also, coverage usually applies only if you use the trampoline for fun, not for business.
You still need to let your insurer know if you get a trampoline. If you don’t, the company could deny your claims or even cancel your policy. It’s a good idea to talk to your insurer before buying a trampoline to find out what coverage is available.
Shop for policies that cover a trampoline.
Insurers consider trampolines “attractive nuisances,” meaning kids are drawn to them and want to play on them. Trampolines can also make it more likely for kids to trespass or injure themselves on your property.[2]
Insurance companies usually handle trampoline coverage in three ways. Here’s how each option works.
Some insurers will cover trampolines if you meet certain requirements. These rules can vary by company, but you might need to add a safety net or keep the trampoline inside a locked fence.
Some insurers will cover your home but not the trampoline. If this happens, you’re responsible for any injuries or lawsuits related to the trampoline. These exclusions are common and can be easy to overlook, since they’re often in the fine print.
For example, if your neighbor hurts themselves doing a somersault on your trampoline and the hospital bill is $10,000, you’d have to pay it or settle the claim yourself because the accident happened on your property. Your insurance wouldn’t help since it involved the trampoline.
Some insurance companies won’t cover homes with trampolines, even if you add safety features. Others may cancel or decline to renew your policy if you get a trampoline without giving notice.
)
If your homeowners policy covers trampolines, it usually includes these types of coverage:[3]
Personal liability: Liability insurance helps pay medical bills if a guest or a neighbor’s child hurts themselves on your trampoline. It covers various injuries and can also protect you if someone sues.
Medical payments: MedPay coverage lets a guest send their medical bills straight to your insurance company, so you don’t have to file a claim. This no-fault coverage is for smaller injuries.
Umbrella insurance: Umbrella insurance is extra protection you can add to a standard policy. It typically increases your coverage to $1 million or more. The extended coverage protects you from potential lawsuits and severe injuries.
Your coverage won’t apply if you break policy rules or forget to mention that you own a trampoline. Homeowners insurance has other limits, too. For instance, it won’t pay for medical bills if you or your family sustain an injury on the trampoline. It also doesn’t cover repairs or upgrades to the trampoline.
Here’s an example of what trampoline insurance can cover. Imagine you’re throwing a birthday party for your son in your backyard. One of the kids uses the trampoline without supervision, accidentally falls off, and hurts themselves. A few days later, you receive a letter from a lawyer asking for your insurance details to file a claim.
In this situation, your homeowners policy would step in to handle the claim from the lawyer and likely reach a settlement. Your insurer would help protect you from a lawsuit or a large settlement, as long as your coverage includes trampolines.
A trampoline may not increase your insurance rate by much, or at all. Some insurance companies include trampoline coverage in a standard homeowners policy.
If your policy doesn’t cover trampolines, your home insurance costs won’t change. But you’d be responsible for any injuries or lawsuits related to the trampoline. The average homeowners insurance liability claim is almost $30,000, showing how expensive these incidents can be.[4]
It’s important to tell your home insurance company if you get a trampoline to avoid denied claims or policy cancellation.
You probably need more liability coverage if you have a trampoline. Most policies start with a minimum limit of $100,000. If you have a trampoline or another feature that could attract children, you need a limit of $500,000 or more to cover potential injuries or lawsuits. You can choose an even higher limit if you want more protection.
Umbrella insurance is another way to get extra protection. This add-on coverage can raise your liability limits to $1 million or more. It’s usually an affordable option if you have a high-risk backyard feature that could cause injuries, such as a trampoline or pool.
Buy a policy with trampoline coverage in minutes.
Here are some ways to make owning a trampoline safer, even if your insurance company doesn’t ask for them.
Use a safety net. Install netting around your trampoline to provide an extra barrier and prevent jumpers from falling off.
Add padding to the springs. Protective padding helps keep body parts from getting stuck or hurt.
Install a locked fence. Make sure your side gate and other entry points have built-in locks instead of just a padlock or latch.
Always have an adult present. An adult can help prevent risky behavior and accidents when kids use it.
Let only one person jump at a time. Injuries happen more often when several people use the trampoline together.
The answers to these trampoline insurance questions can help you make sure you have the right coverage.
Yes. You should tell your insurer if you have a trampoline. If you don’t, the company might cancel your policy or deny a claim related to it.
Yes. Insurers consider trampolines to be an “attractive nuisance.” This means they’re tempting for kids to play on and might cause someone to trespass on your property to use it.
Your insurance costs could go up if you have a trampoline, but not in every case. The amount depends on where you live, your backyard, and your insurance company. The good news is that you can still find cheap homeowners insurance, even with a trampoline.
Some companies don’t allow trampolines and will cancel your policy if you get one. Insurers can also cancel your coverage if you don’t update your policy once you have a trampoline.
Umbrella insurance gives you more liability protection. This can help if someone hurts themselves on your trampoline and sues you or needs medical care.
It depends on your renters insurance policy. You might have liability protection for trampoline injuries, so check your insurance coverage to be sure.
)
Licensed property and casualty insurance agent
NPN: 21630969
At Compare.com, it’s our mission to give you the tools to find the best (and most affordable) insurance for your unique needs and budget. We strive to provide information that’s helpful, clear, and unbiased, and we believe that comparing insurance companies should never put you at risk of spam. Our editorial team — which is made up of experienced writers, editors, insurance agents, and data analysts — has spent thousands of hours researching and creating the coverage overviews, side-by-side comparisons, and detailed reviews you see across our site.
While we make money through partnerships with some of the brands we discuss in our articles, our editorial team operates 100% independently, and these partners never influence or affect the topics, reviews, ratings, or recommendations we provide. We never guarantee favorable reviews or mentions in exchange for compensation from any brands or partners, and we uphold strict editorial standards to ensure our content is always independent, truthful, and unbiased.