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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

Fortunately, most homeowners insurance policies cover trampolines and treehouses. The personal liability coverage of your policy protects you if someone gets injured using your trampoline or treehouse. But keep in mind that your premium might increase because having these on your property implies a higher risk of injuries occurring.

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When Does Homeowners Insurance Cover Trampolines & Treehouses?

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.

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  • If someone outside your household is injured while jumping on the trampoline at your home.
  • A guest suffers a treehouse-related injury, like a fall.
  • If your trampoline or treehouse is destroyed by a covered peril.

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.

When Doesn’t Homeowners Insurance Cover Trampolines & Treehouses?

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.

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How to Prevent Trampoline & Treehouse Injuries

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.

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    Follow Safety Precautions When Using the Trampoline

    Always supervise children during the use of the trampoline and only allow children six years and older to jump on full-sized trampolines. Do not allow somersaults and only let one person use the trampoline at any one time. Install a safety net or enclosure around the trampoline to prevent falls. Place the trampoline away from trees or other structures. Also, regularly inspect your trampoline to check for any tears, detached springs or pads and rust. Always make sure that the trampoline springs have adequate padding.

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    Build or Retrofit Your Treehouse to Decrease the Odds of Treehouse-Related Injuries

    Make sure that you build your treehouse at most 10 feet from the ground. Use 38-inch solid high barriers and rails and add several inches of soft mulch at the base of the treehouse to serve as a cushion if someone falls.

Where to Buy Homeowners Insurance

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.


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About Mark Fitzpatrick

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Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark earned a master’s degree in Economics and International Relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.