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: May 11, 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?

Whether your homeowners policy pays for a trampoline injury comes down to how your insurer classifies trampolines, and when we reviewed how major carriers handle this, the approaches varied more than we expected. Some cover trampolines without restriction. Others require enclosure netting or perimeter fencing before personal liability coverage applies. Some exclude trampoline claims outright, meaning a serious injury on your property produces zero coverage regardless of fault.

The legal exposure is the detail most homeowners underestimate. Trampolines fall under the attractive nuisance doctrine in most U.S. jurisdictions because they draw children who can't fully assess the risk. That means you can be held liable for a child's injury on your property even if you didn't invite them onto the trampoline, so your liability exposure doesn't stop at the edge of your guest list. A single serious injury claim can exceed standard liability limits of $100,000 to $300,000, which is why we recommend confirming your insurer's trampoline classification before installation rather than after a claim is filed.

When Does Homeowners Insurance Cover Trampoline Injuries?

Trampoline injury claims follow different paths depending on severity and whether your setup meets your insurer's 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
Get the Injured Person Medical Attention First
Medical care comes before anything else. Most trampoline injuries involve children, so a parent or guardian will likely be coordinating. Keep every medical record and receipt, because your insurer will ask for them.
2
The Injured Party Files the Claim
The guest or their family contacts your insurer directly, so you don't file on their behalf. For smaller injuries, they can submit medical bills under your medical payments to others coverage, which pays $1,000 to $5,000 per person regardless of fault.
3
Your Insurer Opens an Investigation
Larger claims or those involving legal responsibility move to personal liability coverage. An adjuster will check whether your trampoline met your policy's safety requirements, whether you disclosed it at purchase or renewal, and whether the injury is a covered scenario.

If the guest files a lawsuit, your insurer covers legal defense costs up to your policy limits.
4
Document Everything and Let Your Insurer Lead
Photograph the trampoline, safety net, anchoring and any surrounding fencing. Get witness contact information and call your insurer right away. Don't admit fault or negotiate directly with the injured party. Your insurer handles the claim from investigation through settlement.

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

A trampoline can void your liability coverage before anyone gets hurt. Call your insurer before you buy one, find out what safety measures it requires and ask whether trampolines are excluded under your policy. If your liability limit isn't high enough to cover a serious injury claim, raise it or add a personal umbrella policy.

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 (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident insurance expert. He has spent nearly a decade analyzing the market, first at LendingTree and now at MoneyGeek, where he has produced original research on hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.

He writes about economics and insurance on MoneyGeek so people can make coverage decisions with confidence. His insurance insights have been featured in The Washington Post, The New York Times and NPR, among other media outlets.

Like all MoneyGeek analysts, he draws on independent cost and consumer experience data, and no insurance company partnership influences his recommendations.

Fitzpatrick earned his degrees from Johns Hopkins University (M.A. Economics and International Relations) and Boston College (B.A.). He began his career in financial risk management at State Street. He's also a five-time Jeopardy champion!

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