Does Homeowners Insurance Cover Trampolines & Treehouses?

Standard homeowners insurance covers trampolines and treehouses, but under different coverages.

Trampolines are personal property and may have protection under personal property coverage, whereas treehouses are “other structures” and may have protection under Coverage B of your policy.

Personal liability coverage or medical payments coverage in a homeowners insurance policy may step in to cover trampolines and treehouses if someone is injured while using either.

Insurers view trampolines and treehouses as “attractive nuisances” that increase the risk of accidents. If you have a high net worth or want additional protection against injuries of others, MoneyGeek advises you to purchase umbrella insurance to enjoy coverage beyond the limits of a standard homeowners policy

Under dwelling coverage, personal liability coverage, medical payments or personal property coverage, a homeowners insurance policy covers trampolines and treehouses. It all depends on the circumstances to which coverage applies. Below are a few examples of when homeowners insurance does cover a trampoline or treehouse.

Alongside the fun brought by trampolines and treehouses are the associated risks that increase the odds of insurance claims.

Insurers classify trampolines and treehouses as “attractive nuisances,” which means that these could potentially attract the attention of a child (who isn’t part of your household) and possibly lead them to physical harm.

You, as the owner of the property, are liable for any harm that these attractive nuisances cause.

Trampolines and treehouses are high-risk items. As a result, some insurers may have trampoline exclusions or treehouse exclusions. MoneyGeek recommends that you look at multiple insurance companies and check the policies carefully to ensure that you’re properly protected with a trampoline or treehouse on your property.

Many providers may cover trampolines and treehouses but with certain conditions (e.g., installing a safety net). Others may specifically state in their policies that they will not cover claims related to trampoline or treehouse accidents.

Homeowners insurance covers many things, and being insured against the risks of having a trampoline or treehouse at your home is a good idea, but a better alternative is to prevent or significantly diminish the risks associated with these high-risk items.

MoneyGeek strongly recommends that you employ safety precautions if you own a trampoline or treehouse.

Homeowners insurance is a standard product offering of most major insurance companies nationwide, like State Farm and Progressive, and smaller companies have it, too, like Hippo. MoneyGeek recommends comparing home insurance companies to maximize your savings while receiving the coverage you need. That’s especially true if you want homeowners insurance to cover a trampoline or treehouse, as each company approaches them differently.

The average cost of homeowners insurance is $175 per month, but this rate will vary by company and the value of your property and personal belongings.

Use MoneyGeek’s personal property calculator to get an accurate estimate of how much homeowners insurance costs for the coverage you need.