The short answer
It depends on the carrier. Many homeowners policies treat a trampoline injury to a guest like any other guest injury, under liability and medical payments to others. Others exclude trampolines outright or cover them only when safety rules are met.
Your policy and its endorsements decide it. Review your policy or talk with your agent.
Why insurers care
Trampoline injuries are common and can be serious, and many involve children. Some places also apply an idea called attractive nuisance. It means a homeowner may be held responsible when a hazard draws in children, even ones who weren't invited. That's why some carriers want fences or locked gates.
Carriers also look at claim history. A single serious injury claim can be costly, so some prefer to limit the risk up front through exclusions or safety conditions. Knowing your carrier's approach before you buy helps you choose the right setup, or the right carrier.
How carriers usually handle trampolines
- Covered with no special terms
- Covered if it has safety netting, padded springs and is anchored to the ground
- Covered if the yard is fenced or the gate locks
- Covered with an added charge
- Excluded from liability coverage, sometimes through a separate endorsement
Who is and isn't covered
Guests, such as neighbors' kids or visiting friends, may be covered under liability and medical payments if your carrier allows trampolines. Your own children and anyone else who lives with you generally aren't, because those parts of the policy cover other people. Their injuries usually go through health insurance.
Some policies that allow trampolines still exclude certain uses, such as hosting organized lessons or charging for use. Ask your agent if you're unsure.
The trampoline itself
Damage to the trampoline from a covered event, like a storm, may be covered as personal property or under other structures coverage, minus your deductible.
High winds can lift a trampoline into a fence, a car or a neighbor's yard. Anchoring it helps prevent that, and it's one of the steps carriers often ask for.
Keep your coverage in good shape
- Tell your agent about the trampoline and ask about any conditions
- Add netting and pads, and anchor the frame
- Set house rules, like one jumper at a time and adult supervision
- Check it each spring for torn mats, rust and loose parts
- Consider an umbrella policy for extra liability protection
