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: June 1, 2026
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Key Takeaways
Trampoline-related injuries may be covered by your home insurance's liability 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 RequirementsInsurers 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 TrampolinesSome 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
Photograph the trampoline, the injury and any safety equipment in place (netting, padding, fence). Get witness contact information and write down exactly what happened while the details are fresh. This record is your primary defense if the insurer questions whether you met safety requirements.
- 2Call Your Insurer Within 24 to 48 Hours
Have the date, time, a description of who was injured and what safety measures were in place ready before you call. Give a clear, factual account, and nothing more.
- 3Work With the Claims Adjuster
The adjuster will inspect the trampoline, review your safety setup and may interview witnesses. Hand over all requested documentation (medical bills and repair estimates included) promptly.
- 4Review Your Settlement Offer
The adjuster determines coverage and calculates the payout. If liability applies, the insurer pays the injured party's medical bills and legal costs up to your policy limit. A low offer can be negotiated or escalated to a public adjuster.
- 5Know the Timeline
Straightforward claims settle in two to four weeks. Lawsuits or disputed liability stretch to 30 to 90 days or longer. Your state's insurance regulations set the 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
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 (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 produces original research on hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.
He covers economics and insurance at MoneyGeek, and his work has been featured in The Washington Post, The New York Times and NPR, among other outlets.
Like all MoneyGeek analysts, he draws on independent cost and consumer experience data. 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.). His career began in financial risk management at State Street. He's also a five-time “Jeopardy!” champion.