Can Trampolines Raise Homeowners Insurance?

Owning a trampoline, much like owning a swimming pool, may increase your liability risk and affect your insurance premiums.

Why Trampolines May Affect Insurance Premiums

A trampoline increases the possibility of someone getting injured and filing a claim against you. In addition, trampolines susceptibility to damage, such as torn mats and bent frames from high-wind storms, can increase injury risk.

Coverage and Safety Requirements

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

If you are considering buying a trampoline, it is a good idea to contact your insurance company. They can advise you on any policy restrictions that may be in place.

What Happens If Someone Gets Injured on My Trampoline?

Your health insurance will likely pay for the medical care if a resident family member is hurt. However, if a non-resident or non-family member is injured on your trampoline, your home insurance policy may cover their medical bills. If legal action is taken against you, your policy’s liability coverage may help with legal fees and court costs.

Implementing Safety Measures to Reduce Injuries

Even if you are fully covered by insurance, taking precautions to minimize the risk of injury is still a good idea. Some sound preventive measures include securely anchoring the trampoline legs to the ground. Also, adult supervision should be implemented, use should be limited to one child at a time, and front and back flips should be prohibited. A fenced yard with a locking latch can help deter uninvited guests from accessing your trampoline. Safety netting and padding over hooks and springs can help prevent injuries. Also, regular trampoline inspections can reveal tears and missing or broken parts.