Does Home Insurance Cover Trampoline Injuries?

Homeowners insurance may cover trampoline injuries through your liability coverage, but some insurers exclude trampolines entirely or require specific safety features for coverage to apply.

Find out if you're overpaying for home insurance below.

Written by Mark Fitzpatrick

Updated: April 10, 2026

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Key Takeaways

Personal liability coverage on your homeowners policy may pay for guest injuries on your trampoline, but only if your insurer hasn't excluded trampoline coverage from your policy.

Insurers handle trampolines in one of three ways: full coverage with no exclusions, coverage only if you meet specific safety requirements (such as installing a net or fence) or a complete trampoline exclusion.

Injuries to household members aren't covered by your homeowners policy regardless of your insurer's trampoline rules, and failing to disclose your trampoline can result in a denied claim or policy cancellation.

Does Homeowners Insurance Cover Trampoline Injuries?

Personal liability coverage on a homeowners policy can pay for injuries a guest sustains on your trampoline, but coverage depends entirely on your insurer's trampoline policy. Some insurers cover trampolines with no restrictions, some require safety measures such as enclosure netting or perimeter fencing, and others exclude trampoline-related claims entirely.

Insurers classify trampolines as attractive nuisances because they attract children who cannot fully assess the risk. Under the attractive nuisance doctrine, a legal principle recognized in most U.S. jurisdictions, property owners may be held liable if a child is injured by a hazardous condition on their property, even without the property owner's permission.

When Does Homeowners Insurance Cover Trampoline Injuries?

While below are a few scenarios, note that coverage for trampoline injuries depends on whether the incident falls under your policy’s liability protection and meets insurer safety requirements.

A Guest Falls Off and Is Injured

If a guest falls off your trampoline and breaks a bone, your personal liability coverage pays their medical bills and legal defense costs if they sue. Medical payments to others coverage can cover initial medical expenses without a negligence determination. Your insurer covers the claim up to your policy's liability limit, as long as your policy doesn't exclude trampolines.

A Neighbor's Child Uses Your Trampoline Without Permission

Under the attractive nuisance doctrine, you can be held legally responsible if a child enters your property and is injured on your trampoline, even without an invitation. Your liability coverage applies in these situations if your policy covers trampolines. Many insurers require a safety net, perimeter fence or both to maintain coverage, specifically to reduce the risk of unauthorized access by children.

Your Trampoline Causes Property Damage to a Neighbor

If high winds lift your trampoline and it damages your neighbor's home, fence or vehicle, your personal liability coverage may pay for the damage if you're found responsible for not properly anchoring the equipment. Your insurer evaluates whether you took reasonable precautions to secure the trampoline. This type of claim falls under liability coverage, not personal property coverage.

Covered scenarios apply only if your insurer hasn't excluded trampoline coverage from your policy. Trampoline coverage rules vary by insurer; check your declarations page or contact your agent.

When Doesn't Home Insurance Cover Trampoline Injuries?

Homeowners insurance won't cover trampoline injuries if your insurer has excluded trampoline coverage, if you failed to meet your insurer's safety requirements or if the injured person is a household member.

Your Insurer Excludes Trampoline Coverage

Some insurers add a trampoline exclusion to your policy, meaning they won't pay any claims related to trampoline injuries or trampoline-caused property damage. If you buy a trampoline without checking your policy first, your insurer could deny a claim or cancel your coverage at renewal.

You Didn't Meet Your Insurer's Safety Requirements

Insurers that do cover trampolines often require specific safety measures, such as enclosure netting, a locking perimeter fence, placement over soft ground or a limit on simultaneous users. If you didn't comply with these requirements and someone is injured, your insurer can deny the claim.

A Household Member Is Injured

Your homeowners policy's liability coverage applies only to non-household guests. If you, a family member or anyone else listed on your policy is injured on the trampoline, the claim falls under your health insurance, not your homeowners policy.

What Happens if Someone Gets Injured on Your Trampoline?

A trampoline injury claim moves through several stages, from the initial incident through settlement. The home insurance claim process depends on how severe the injury is and whether your insurer covers trampolines.

1
The Injured Guest Seeks Medical Treatment
The injured guest, or their parent or guardian since most trampoline injuries involve children, gets medical attention first. They should keep all medical records and receipts, as your insurer will need these documents to process any claim.
2
The Guest or Their Family Files a Claim Against Your Policy
The injured party, not you, files the claim against your homeowners policy. For minor injuries, they can submit medical bills directly under your medical payments to others coverage (usually $1,000 to $5,000), which pays regardless of fault.
3
Your Insurer Investigates the Incident
If costs exceed the medical payments to others limit or the guest holds you legally responsible, the claim escalates to your personal liability coverage. Your insurer assigns a claims adjuster to review whether your trampoline met your policy's safety requirements, whether the injury falls under a covered scenario and whether you disclosed the trampoline when you purchased or renewed your policy. Your insurer also covers legal defense costs if the guest files a lawsuit.
4
Document the Scene and Cooperate With Your Insurer
Take photos of the trampoline and surrounding area, including the safety net, anchoring and any fencing. Collect witness contact information and notify your insurer as soon as possible. Don't admit fault or negotiate directly with the injured party; your insurer manages the claim from investigation through settlement, paying the injured guest up to your liability limit.

DISCLOSE YOUR TRAMPOLINE TO YOUR INSURER BEFORE AN INJURY HAPPENS

Failing to tell your insurer you own a trampoline can result in a denied claim or policy cancellation, even if the claim is unrelated to the trampoline. Contact your insurer or agent before purchasing a trampoline to confirm whether your policy covers it, what safety features are required and whether your premium will increase. If your insurer excludes trampolines, compare providers to find the best home insurance company that offers trampoline protection for your needs.

Trampoline Injuries in Home Insurance: Bottom Line

Personal liability coverage on your homeowners policy may pay for guest injuries on your trampoline, but only if your insurer hasn't excluded trampoline coverage. Coverage depends on your insurer's approach: some cover trampolines fully, some require safety measures such as enclosure netting or perimeter fencing, and some exclude them entirely.

Contact your insurer before buying a trampoline, confirm its safety requirements and consider increasing your liability limit or adding a personal umbrella policy for additional financial protection.

Trampoline Coverage in Home Insurance: FAQ

These FAQs explain how homeowners insurance covers trampolines, including liability risks, coverage limits and potential exclusions.

Can my insurer cancel my policy if I have a trampoline?

Your insurer can cancel or non-renew your homeowners policy if you own a trampoline and your policy excludes them. Some insurers find the trampoline during a routine property inspection or by reviewing satellite imagery of your home. If you didn't disclose the trampoline, your insurer may also deny any pending claim, not just trampoline-related ones, on the grounds that you misrepresented your property. Contact your insurer before purchasing a trampoline to confirm coverage.

Do I pay a deductible on a trampoline injury liability claim?

Liability claims under your homeowners policy don't require you to pay a deductible. Your insurer pays the injured party's medical and legal costs directly, up to your policy's liability limit.

What if my liability limit isn't enough to cover a trampoline injury claim?

A personal umbrella policy provides an additional layer of financial protection, typically starting at $1 million in most cases, that takes effect after your homeowners liability limit is exhausted. This coverage is especially useful for high-risk items like trampolines.

Will owning a trampoline raise my homeowners insurance rate?

Owning a trampoline can increase your premium because it raises your insurer's liability risk. The exact rate impact varies by insurer, and filing a trampoline injury claim can raise your rate further at renewal.

What safety features do insurers require for trampoline coverage?

Requirements vary by insurer but commonly include enclosure safety netting, a perimeter fence with a locking gate, placement over soft ground such as sand or wood chips and a limit on simultaneous users. Check with your specific insurer for their current safety requirements before purchasing a trampoline.

About Mark Fitzpatrick

Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in CNBC, NBC News and Mashable.

Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!

He writes about economics and insurance, breaking down complex topics so people know what they're buying.

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