Does Homeowners Insurance Cover Trampolines?

Homeowners insurance provides financial protection for your property and against liability claims. Many homeowners wonder how recreational equipment, such as trampolines, might affect their coverage. This article explores how trampolines are typically addressed within homeowners insurance frameworks.

Understanding Trampoline Coverage in Homeowners Policies

Homeowners insurance policies typically address trampolines through two main types of coverage: personal property and personal liability. Personal property coverage may protect the trampoline itself against damage from covered perils like windstorms or theft, often subject to a deductible. The primary concern for insurers is personal liability coverage, which addresses injuries to others.

Insurers often classify trampolines as an “attractive nuisance,” a condition on a property that might entice children and pose a risk of injury, even to trespassers. Many standard homeowners insurance policies either exclude trampolines entirely or include specific exclusions for trampoline-related incidents due to the high potential for severe injuries.

Some insurance providers may offer coverage for trampolines, but usually with strict conditions. These requirements often include installing safety netting, ensuring padded frames, and sometimes requiring a secure yard fence to prevent unsupervised access. Insurers might also stipulate conditions such as adult supervision during use or only allowing one jumper at a time. Failure to meet these safety requirements can result in denied claims or even the voiding of coverage.

Securing or Adjusting Your Trampoline Coverage

If a standard homeowners policy excludes trampoline coverage, homeowners can often explore options to secure protection. One common method involves adding a specific endorsement or rider to the existing policy. This additional coverage extends liability protection for incidents occurring on or around the trampoline, and in some cases, may also cover property damage to the trampoline itself.

Transparent communication with your insurance provider is essential when you have a trampoline on your property. Disclose its presence, ideally before installation, to understand how it affects your coverage. Failing to inform your insurer could lead to denied claims or even policy cancellation if an incident occurs.

Meeting certain safety requirements is frequently a prerequisite for obtaining an endorsement or maintaining coverage. These measures might include professional installation, ensuring proper safety enclosures and padding, and securing the area with a fence to limit unauthorized access. Adhering to manufacturer guidelines for safe use, such as proper anchoring and storage during severe weather, can also be important for maintaining coverage.

Implications for Your Homeowners Policy

Having a trampoline on your property typically impacts your homeowners insurance premiums. Insurers consider trampolines a high-risk item due to the increased potential for liability claims from injuries. This elevated risk often results in higher annual premiums, which can increase from a few percentage points to 20% or more, depending on the insurer and specific risk factors.

An insurance provider may decline to offer a new policy or choose not to renew an existing one if a trampoline is present, especially if their underwriting guidelines deem the risk too high. This decision is often based on the insurer’s historical claims data and overall risk tolerance. Confirm coverage availability before acquiring a trampoline.

Regularly reviewing your homeowners policy terms and conditions is important, particularly at renewal time. This practice helps ensure you understand any changes in coverage, new requirements, or adjustments to premiums related to your trampoline. Proactive discussions with your insurance agent about any property changes, such as adding recreational equipment, can help manage risk and prevent unexpected coverage gaps.