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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 the most recent CPSC data, roughly 100,000 trampoline injuries are treated in U.S. emergency rooms every year, and in 2018 alone there were more than 300,000 medically treated trampoline injuries in the U.S., including more than 110,000 emergency-room visits. More than 90% of trampoline injuries are sustained by children, mostly between the ages of 5 and 14, and more than 75% occur when two or more children are jumping at the same time and collide.
The injury breakdown paints a clear picture of why insurers are wary:
| Injury Type | Share of All Trampoline Injuries |
|---|---|
| Soft tissue injuries (sprains, strains) | 51.9% |
| Fractures | 34.6% |
| Lacerations | 11.7% |
| Injuries from multiple jumpers | ~75% of all incidents |
| Falls off the trampoline | ~22% of all incidents |
Beyond the raw numbers, trampolines have unique liability exposure. Under the attractive nuisance doctrine, a property owner can be held liable if a child is injured by a dangerous condition that entices them onto the property, even if that child is trespassing. Most states follow the Restatement (Second) of Torts §339 test, which considers whether the owner should have known children were likely to trespass, whether the condition poses an unreasonable risk, and whether the burden of eliminating the danger is slight compared to the risk. 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.
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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 in 2026:
Typical Premium Increases
Industry data suggest that adding a trampoline typically increases homeowners premiums by about 10% to 30% when the carrier accepts the risk, translating to roughly $200 to $750 per year in added cost for the average homeowner. The average cost of home insurance in the U.S. is $2,543 a year for $300,000 in dwelling coverage, and the average homeowner is now paying close to $2,966 a year for home insurance in 2026, so even a 10% bump is meaningful.
Some insurers charge no explicit extra premium and simply cover the trampoline under a standard policy, often contingent on safety measures like enclosure netting and a fenced yard. Others add a surcharge or embed higher costs into your rate because of the increased liability risk, while some exclude trampoline-related liability altogether via a "trampoline exclusion," meaning any claim arising from the trampoline is not covered.
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.
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Disclosure Requirements & What Happens If You Don't Report It
Do You Have to Tell Your Insurance Company About a Trampoline?
Yes. You are 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. Progressive specifically states that because a trampoline is an "attractive nuisance" that adds to the amount of personal property covered by your insurer, your policy may not provide coverage, or your premium may increase, when you notify your insurer of a trampoline on your property.
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: Some insurance companies don't allow trampolines and will exclude coverage for them. If you purchase or obtain one, your insurer may not offer coverage for trampoline-related injuries and damages, and they may cancel or non-renew your policy.
- 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 home insurance liability coverage 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 by individual agent. Below is a general breakdown of how major carriers approach trampoline coverage in 2026.
Major Insurer Trampoline Policies
| Insurer | Trampoline Policy |
|---|---|
| State Farm | Publishes trampoline safety guidance and encourages homeowners to disclose. Some State Farm policies do not have a blanket trampoline exclusion, and reports indicate they often do not automatically surcharge in many states. Always confirm with your local agent. |
| Allstate | Recognizes three approaches: no exclusion, trampoline exclusion, or coverage with safety precautions. Which applies depends on state and policy. |
| Progressive | Notes that premiums "may increase" after disclosure, or coverage may be excluded entirely, depending on the underwriting company and state. |
| Lemonade | Treats trampolines as a high-risk liability exposure; some state programs may decline or exclude trampoline liability entirely. |
| American Family | May cover with safety requirements in place; recommends contacting your agent directly. |
| Nationwide | Mixed approach. Some policies allow with safety conditions or a surcharge; others exclude trampoline liability. |
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 for all use
- ✅ One jumper at a time policy (75% of injuries involve multiple jumpers)
- ✅ Regular inspections for wear and damage
- ✅ Ground-level installation where possible (some insurers view in-ground trampolines as lower risk)
State Farm's own safety guidance recommends only one jumper at a time, no somersaults or flips, constant adult supervision, protective padding and net enclosure, and setting the trampoline at ground level whenever possible. 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 range or help you qualify for coverage when you otherwise might not.
Recommended Liability Coverage Limits
A standard homeowners policy typically provides personal liability coverage between $100,000 and $500,000 per incident. For trampoline owners, the $100,000 default is generally considered insufficient. Most insurance professionals 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 or more
Learn more about umbrella insurance for homeowners and why it's particularly valuable for high-risk features like trampolines. If you're not sure whether your current limits are enough, our guide on how much liability coverage you need walks through the math.
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. Homes that have trouble getting standard coverage may need to explore high-risk home insurance options.
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 policies typically cost between $200 and $600 per year for $1 million in additional coverage, an affordable safeguard given today's rising verdict environment.
Option 3: Increase Your Base Liability Limits
Before pursuing an umbrella policy, check whether you can simply increase your homeowners liability limits 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 an in-ground trampoline, which some insurers view as lower risk because it eliminates the fall-from-height concern. Trampolines are also one of the common exclusions that make homes harder to insure, so removal may open up better rates.
| Alternative | Best For | Estimated Cost |
|---|---|---|
| Switch insurers | Those denied coverage outright | Varies by carrier |
| Personal umbrella policy | Those with partial/limited coverage | $200-$600/yr for $1M |
| Increase liability limits | Those with existing coverage | Often $25-$75/yr more |
| Remove/replace trampoline | Those unable to find coverage | Cost of removal |
If you rent rather than own, note that most renters insurance policies treat trampolines similarly and may exclude liability arising from them. Landlords should also review their landlord insurance coverage before allowing tenants to install one.
Frequently Asked Questions
Does a trampoline automatically increase homeowners insurance?
Not automatically, but it almost always does once disclosed. Most insurers that accept the risk will raise your premium by 10% to 30% annually after learning about a trampoline, though the exact amount depends on your insurer, your location, 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 often offer conditional coverage, while others may exclude trampoline liability entirely.
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 $200 and $750 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.