What Every Homeowner Should Know About Trampolines

A trampoline might seem like a fun addition to your backyard, but it comes with some risks. Tens of thousands of children get hurt on trampolines each year, according to a 2022 Pediatric Emergency Care study

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Pediatric Emergency Care. Trampoline Injuries in Children and Adolescents: A Jumping Threat. Accessed Apr 15, 2026. View all sources .

In fact, injury concerns led the American Academy of Pediatrics to discourage parents from having these bouncy toys at home

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American Academy of Pediatrics. Trampoline Safety in Childhood and Adolescence. Accessed Apr 16, 2026. View all sources .

It’s no surprise then that many home insurers are wary about covering trampolines. Before you buy a trampoline, here’s what you should know about how it may impact your homeowners insurance.

Many insurers consider a trampoline to be an "attractive nuisance," which means children might use it without fully understanding the risks. It also means you could be liable if a child gets hurt on your trampoline, even if they use it without your permission.

Home insurers differ in how they address backyard trampolines.

Depending on the company and where you live, the following might apply:

• Your insurer will cover your trampoline as part of a standard policy with no extra charges.

• Your insurer may exclude liability for claims related to the trampoline from your coverage.

• The company will cover your trampoline as long as it meets certain safety rules.

• Your premium may go up.

• The company may not offer you a policy at all.

If an insurer won’t cover you because you have a trampoline, don’t take it personally. It’s often because of the company’s history with trampolines and overall risk tolerance, rather than your specific situation.

» MORE: What does homeowners insurance cover?

Read your homeowners policy carefully and ask your insurer directly to know for sure if your trampoline is covered. Here are a few different ways a claim for a trampoline injury might be covered.

You can also check to see if your insurer offers a policy add-on (also known as an endorsement) for trampolines, sometimes referred to as trampoline insurance.

» MORE: What does homeowners insurance cover?

It's typically in your best interest to consult your insurer before buying a trampoline, even if doing so could lead to higher premiums. The cost of your insurer refusing to cover a trampoline claim would likely be much higher than expenses from changing your policy.

If you buy a backyard trampoline without telling your insurer and someone gets hurt on it, your insurer may deny the claim. Your insurance company may also cancel or refuse to renew your policy.

You might be required to take a few steps before your insurer will sign onto covering a backyard trampoline. Even if your insurer doesn’t mandate it, trampoline owners should take as many safety precautions as possible. For example:

𓈈 Put netting around the trampoline to reduce the risk of falling.

🤕 Position the trampoline away from concrete and fences.

👧 Make sure kids have parental permission.

🙋 Allow one person on the trampoline at a time.

🤝 Always supervise play on or near the trampoline.

👶 Restrict access for children under 6.

🤸 No somersaults allowed.