Homeowners insurance may cover a trampoline under personal property if it’s damaged by a covered peril, but this depends on how the policy classifies outdoor structures. Liability coverage is more relevant, since it can help pay for injuries if someone gets hurt while using the trampoline on your property. Coverage varies by insurer, and some providers exclude trampolines or require added safety measures before offering protection.
Does Home Insurance Cover Trampolines?
Updated: March 25, 2026
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Key Takeaways
Trampoline-related injuries may be covered by your home insurance's liabilty coverage, while trampoline replacement is covered by your personal property coverage.
Some insurers exclude trampolines entirely or require safety measures, including a net enclosure and locked fence, before covering trampoline claims.
Many insurers require you to disclose a trampoline due to the risk it poses and may cancel your policy if you don't.
Does Home Insurance Cover Trampolines?
When Does Homeowners Insurance Cover Trampolines?
Coverage for trampolines under homeowners insurance depends on how the policy handles risk and safety features. Insurers may allow coverage in certain situations but apply restrictions, limits or added requirements. The scenarios below outline when coverage is more likely to apply.
The Trampoline Meets Safety Requirements
Insurers are more likely to allow coverage if the trampoline has safety features such as a net enclosure, secure anchoring or proper placement. Some policies also require fencing or restricted access to reduce injury risk.
The Trampoline Avoids Policy Exclusions
Coverage may apply if the policy does not list trampolines as an excluded item. Some insurers exclude them entirely, while others include them with conditions.
The Trampoline is Well-Maintained
A well-maintained trampoline with no visible damage may help support coverage eligibility. Insurers may deny claims if poor upkeep contributed to an accident or loss.
When Doesn't Home Insurance Cover Trampolines?
Coverage may not apply to trampolines when insurers view them as high-risk or when policy conditions are not met. Many providers set strict limits or exclusions that can leave homeowners without protection. The situations below outline when coverage is less likely.
The Insurer Excludes Trampolines
Some policies explicitly exclude trampolines due to injury risk. If excluded, neither property damage nor liability claims related to the trampoline are covered.
The Area Doesn't Meet Safety Requirements
Insurers may deny coverage if required safety features, such as enclosures or fencing, are not in place. Missing these measures can increase risk and void eligibility.
The Trampoline is Used for Commercial Purposes
Coverage typically does not apply if the trampoline is used for business or income-generating activities. Homeowners insurance is designed for personal use, not commercial exposure.
The Injuries from the Trampoline is from Unsafe Use
Claims may be denied if injuries result from unsafe behavior, lack of supervision or improper use. Insurers may view this as preventable risk outside normal coverage conditions.
Coverage depends on your policy and insurer. Check your declarations page and call your agent to confirm whether trampolines are covered, excluded, or subject to conditions.
How to File a Homeowners Insurance Claim for a Trampoline Incident
A trampoline injury or damage claim follows the same process as any homeowners insurance claim, but documenting safety measures you had in place can strengthen your case.
- 1Document the Incident and Gather Evidence
Take photos of the trampoline, the injury, and the safety equipment in place (netting, padding, fence). Get contact information from witnesses and write down exactly what happened while details are fresh. This documentation strengthens your claim if the insurer questions whether you met safety requirements.
- 2Contact Your Insurance Company Promptly
Call your insurer's claims line within 24 to 48 hours. Provide a clear account of the incident, including the date, time, who was injured, and what safety measures you had in place.
- 3Cooperate With the Claims Adjuster
Your insurer will assign an adjuster to investigate. The adjuster may inspect the trampoline, review your safety measures, and interview witnesses. Provide all requested documentation, including medical bills and repair estimates, to speed up the claims process.
- 4Review Your Settlement Offer
The adjuster will determine whether the claim is covered and calculate the payout. If liability coverage applies, the insurer pays the injured party's medical bills and legal costs up to your policy limit. If you disagree with the settlement, you can negotiate or hire a public adjuster.
- 5Understand the Timeline
Straightforward trampoline claims typically settle in two to four weeks. Claims involving lawsuits or disputed liability can take 30 to 90 days or longer. Your state's insurance regulations set maximum timeframes for claim decisions.
Are Trampolines Covered in Home Insurance: Bottom Line
Liability coverage under a standard homeowners policy can cover trampoline-related injuries and or damage to your trampoline, but many insurers restrict or exclude it entirely. Disclosing the trampoline, meeting safety requirements, and confirming your policy doesn't exclude trampolines are all required for coverage to apply. Call your insurer before installing a trampoline, ask about exclusions and required safety features, and consider a personal umbrella policy if your liability limit is below $300,000.
Trampoline Coverage in Home Insurance: FAQ
Questions about trampoline coverage often come down to safety, liability and insurer rules. Policies vary, so answers depend on how each provider handles risk and exclusions. The FAQs below address common concerns and clarify what homeowners can expect.
Do all homeowners insurance companies cover trampolines?
No. Some insurers exclude trampolines entirely, some cover them with conditions, and some charge a higher premium. Call your insurer to confirm its trampoline policy before you buy or install one.
How does my deductible apply to a trampoline injury claim?
Liability claims typically don't have a deductible. If a guest is injured on your trampoline and you're found liable, your insurer pays their medical bills and legal costs up to your liability limit without deducting anything. Property damage claims, such as storm damage to the trampoline itself, do require you to pay your deductible first.
Does an umbrella policy cover trampoline injuries?
Yes. A personal umbrella policy extends liability coverage beyond your homeowners policy limit. A typical umbrella policy adds $1 million in coverage for $150 to $300 per year. This extra protection applies if a trampoline injury lawsuit exceeds your standard $100,000 to $300,000 homeowners liability limit.
Will installing a trampoline raise my homeowners insurance premium?
Possibly. Some insurers charge a higher premium if you have a trampoline, while others won't renew your policy at all. Disclosing the trampoline is required. Failure to do so can void your coverage. Contact your insurer before installing a trampoline to understand the potential rate impact.
What safety features do insurers require for trampoline coverage?
Most insurers require a safety net enclosure, padding over the springs, and a fence around your yard to limit unsupervised access. Some insurers also require signed liability waivers from anyone who uses the trampoline. Check with your insurer for its trampoline safety requirements.
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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.