Why Insurers Treat Trampolines as High Risk

Homeowners insurance companies classify trampolines as "attractive nuisances" — a legal term for features that draw in curious children who may be injured, exposing you to significant liability. The data backs up that concern. According to CPSC figures, over 100,000 trampoline-related injuries are treated in U.S. emergency rooms every year, with peaks exceeding 110,000 annually. A full 90% of those injuries involve children between the ages of 5 and 15.

The injury breakdown paints a clear picture of why insurers are wary:

Beyond the raw numbers, trampolines have unique liability exposure. If a neighbor's child wanders into your yard and is hurt on your trampoline — even without your permission — you can still be held legally responsible under attractive nuisance doctrine. That's the kind of open-ended liability that makes insurers nervous and prompts many to either increase your premium, add exclusions, or deny coverage altogether.

How Trampolines Affect Your Homeowners Insurance Premiums

The financial impact of owning a trampoline depends heavily on your insurer, your state, and the safety measures you have in place. Here's what you can generally expect:

Typical Premium Increases

Most homeowners see a premium increase in the range of 5% to 25% after disclosing a trampoline, which typically translates to roughly $100 to $500 per year added to their policy cost. On a national average homeowners policy running close to $2,948 annually (as of 2025), that's a meaningful added cost.

However, some insurers won't charge you more — they'll simply exclude coverage for trampoline-related incidents entirely, meaning any claim arising from trampoline use won't be covered at all.

The Three Common Insurer Responses

A third response exists as well: some insurers will require removal of the trampoline as a condition of maintaining coverage. In all cases, disclosing the trampoline immediately is critical — more on that below.

Disclosure Requirements & What Happens If You Don't Report It

Do You Have to Tell Your Insurance Company About a Trampoline?

Yes — you are legally and contractually obligated to disclose a trampoline to your homeowners insurance provider. Most policies require you to notify your insurer of any change on your property that materially affects your risk profile, and a trampoline clearly qualifies.

The best time to disclose is before you purchase the trampoline, so you can understand the terms, any added cost, and whether your insurer covers it at all.

What Happens If You Don't Disclose?

Failing to report a trampoline is considered material misrepresentation — and the consequences can be severe:

• Claim denial: If someone is injured on your trampoline and you never told your insurer it existed, the claim can be denied outright. You'd be on the hook for medical bills and legal settlements personally.
• Policy cancellation: Your insurer may cancel your entire homeowners policy upon discovering an undisclosed trampoline — not just the trampoline-related coverage.
• Non-renewal: Even if they don't cancel mid-term, your insurer may refuse to renew your policy at the end of your coverage period.
• Retroactive void: In some cases, coverage could be retroactively voided, leaving past claims exposed as well.

Understanding your liability coverage in your home insurance policy before adding a trampoline is one of the smartest moves you can make.

Which Insurance Companies Allow Trampolines?

Insurer policies on trampolines vary widely and can differ by state and even individual agent. Below is a general breakdown of how major carriers approach trampoline coverage:

Major Insurer Trampoline Policies

Important: These policies can change and vary by state. Always contact your insurer directly to confirm current trampoline coverage terms before purchasing.

Safety Measures That Can Help You Qualify for Coverage

Many insurers that do allow trampolines will require — or strongly recommend — the following safety features as a condition of coverage:

• ✅ Safety net enclosure (required by many insurers and ASTM safety standards)
• ✅ Locked or fenced yard to prevent unauthorized access
• ✅ Secure anchoring to the ground to prevent wind displacement
• ✅ Padded frame covers over springs and hard edges
• ✅ Adult supervision rules for all use
• ✅ One jumper at a time policy (75% of injuries involve multiple jumpers)
• ✅ Regular inspections for wear and damage

Installing these features demonstrates to your insurer that you're actively managing the risk, which can help keep premium increases toward the lower end of the 5–25% range — or help you qualify for coverage when you otherwise might not.

Recommended Liability Coverage Limits

Standard homeowners policies typically include $100,000 in personal liability. For trampoline owners, this is generally considered insufficient. Most insurance professionals and carriers recommend:

• Minimum: $300,000 in personal liability coverage
• Preferred: $500,000 in personal liability coverage
• Best protection: $500,000 in homeowners liability plus a personal umbrella policy of $1 million+

Learn more about umbrella insurance for homeowners and why it's particularly valuable for high-risk features like trampolines.

What to Do If You're Denied Trampoline Coverage

If your current insurer excludes trampolines or cancels your policy, you still have options:

Option 1: Switch to a Trampoline-Friendly Insurer

Not all insurers treat trampolines the same way. Working with an independent insurance broker can help you compare multiple carriers to find one that allows trampolines — ideally with the safety measures you already have in place. Be upfront about the trampoline from the start.

Option 2: Add a Personal Umbrella Policy

If your homeowners policy covers the trampoline but with lower limits than you'd like, a personal umbrella policy can extend your liability coverage by $1 million or more. This is particularly valuable if a serious injury leads to a lawsuit exceeding your base policy limits. Umbrella insurance for homeowners typically costs $150–$300 per year for $1 million in additional coverage — a relatively affordable safeguard.

Option 3: Increase Your Base Liability Limits

Before pursuing an umbrella policy, check whether you can simply increase your homeowners liability coverage from the standard $100,000 up to $300,000 or $500,000. This is often an inexpensive upgrade that addresses most trampoline liability scenarios.

Option 4: Remove or Relocate the Trampoline

If coverage truly isn't available or the cost is prohibitive, some homeowners choose to remove the trampoline entirely, or replace it with a below-ground in-ground trampoline, which some insurers view as lower risk because it eliminates the fall-from-height concern.

Frequently Asked Questions

Does a trampoline automatically increase homeowners insurance?

Not automatically — but it almost always does once disclosed. Most insurers will raise your premium by 5% to 25% annually after learning about a trampoline, though the exact amount depends on your insurer, your location, your policy's current liability limits, and the safety features you have installed. Some insurers skip the increase and instead exclude trampoline-related coverage or require removal as a condition of continued coverage.

Can you have a trampoline with homeowners insurance?

Yes, many insurers will cover homes with trampolines, but there are typically conditions. You'll generally need to disclose the trampoline, meet specific safety requirements such as installing a net enclosure and a locked fence, and potentially accept a premium increase. Insurers like State Farm, Allstate, and American Family may offer conditional coverage, while others like Lemonade explicitly remove trampoline liability from their policies.

What is a trampoline insurance exclusion?

A trampoline insurance exclusion is a policy clause that explicitly removes coverage for any claims arising from trampoline use. If your policy contains this exclusion, your insurer will deny claims for injuries, property damage, or liability that result from trampoline activity — even if your standard liability coverage would otherwise apply. Exclusions are most common when a policyholder fails to disclose the trampoline or when the insurer simply doesn't offer trampoline coverage at all.

How much does a trampoline add to homeowners insurance costs annually?

On average, expect to pay between $100 and $500 more per year after disclosing a trampoline, though this varies significantly. Homes in high-risk states or those with higher base premiums may see larger dollar increases even at the same percentage rate. The best way to get an accurate figure is to contact your current insurer and ask specifically how a trampoline would affect your rate before you buy one.

What trampoline safety features do insurance companies require?

The most commonly required safety features include a full safety net enclosure around the perimeter, secure anchoring to the ground, padded covers over springs and frames, and a locked or fenced yard to prevent unauthorized access. Some insurers also require written rules for use, such as adult supervision and a one-jumper-at-a-time policy. These requirements are assessed on a carrier-by-carrier basis, so always confirm with your specific insurer what's needed to maintain or qualify for coverage.