Trampolines: Fun and Games Until Someone Gets Hurt…and Your Homeowners Insurance Won’t Cover It

Trampolines: Fun and Games Until They Aren’t
Backyard trampolines are a fun and popular way for families to get exercise and enjoy the outdoors. However, they can also be a serious safety hazard. According to the American Academy of Pediatrics, trampolines are the leading cause of emergency room visits for children under the age of 6.
Trampoline-related injuries can range from minor bruises and sprains to broken bones, head injuries, and even paralysis. In some cases, trampoline injuries can be fatal.
Many homeowners insurance policies exclude coverage for trampoline-related injuries. This is because trampolines are considered to be an “attractive nuisance,” meaning that they pose a danger to children who may be drawn to them, even without the homeowner’s permission.
If you have a backyard trampoline, it is important to check your homeowners insurance policy to see if you are covered. If you are not covered, you may want to consider purchasing additional coverage.
Here are some tips for safely using a backyard trampoline:
- Only allow one person on the trampoline at a time.
- Supervise children closely at all times while they are using the trampoline.
- Teach children how to jump safely, including how to land on their feet and avoid somersaults and flips.
- Make sure the trampoline has safety nets and padding.
- Keep the trampoline in a safe location, away from trees, fences, and other hazards.
If you are considering buying a backyard trampoline, weigh the risks and benefits carefully. If you do decide to buy a trampoline, be sure to take steps to minimize the risk of injury.
Additional tips for homeowners insurance:
- If you have a trampoline, let your insurance company know. They may be able to add a trampoline exclusion clause to your policy, which will protect you from liability if someone is injured on your trampoline.
- If you are shopping for homeowners insurance, be sure to ask about coverage for trampolines. Some insurance companies may offer coverage for trampolines at an additional cost.
- Consider purchasing a separate trampoline insurance policy. This type of insurance policy will cover you for trampoline-related injuries, even if your homeowners insurance policy does not.
By following these tips, you can help to protect yourself and your family from the risks of backyard trampolines.
Do you have questions about your insurance? Find an insurance agent near you with our Agent Finder
Search All Blogs
Search All Blogs
Read More Blogs
Cozying Up: Embracing the Danish Art of Hygge for a Stress-Free December
Banish the December chaos! A simple guide to adopting Hygge—the Danish concept of cozy contentment—for a truly joyful holiday season.
Tinsel, Traffic, and Transactions: Insuring Your Business Against December’s Holiday Rush Risks
Don’t let the holiday rush expose your business. A guide to essential commercial insurance coverages for increased sales, foot traffic, and cyber threats in December.
The Ultimate December Gift: Why Life Insurance is the Most Important Present You’ll Ever Give
Forget the gadgets; life insurance is the real gift of security. A timely look at protecting your family’s future during the season of giving.
Skids, Slush, and Safety: How Your Auto Insurance Navigates the December Driving Nightmare
Essential auto insurance checks and tips for safe, claim-free driving through December’s challenging winter weather and holiday traffic.
Snowed In, Safely Covered: A December Guide to Home Insurance and Winter Preparedness
Don’t let winter woes ruin your holiday cheer. Essential tips on home insurance coverage for snow, ice, and festive accidents.
The Mindful Feast: Reclaiming Thanksgiving in a World of Distraction
Want a more peaceful Thanksgiving? Learn how to embrace a mindful approach and find true gratitude this year.
The New Entrepreneur’s Playbook: Insuring Your Business for Digital and Global Risks in 2026
Starting a digital-first business? Learn how to protect your enterprise from modern risks in 2026.
The Modern Parent’s Dilemma: Life Insurance for a Generation of Savers and Investors
Today’s parents have new financial goals. Here’s how life insurance can be a flexible tool for a modern family in 2026.
The Gig Economy Driver: Navigating Auto Insurance for Side Hustles in 2026
Driving for a gig app? Your personal auto insurance might not cover you. Learn how to get the right coverage in 2026.
The Modern Homeowner’s Guide to Water Damage: The Hidden Risk of 2026
Water damage is a growing threat to your home. Learn how to prevent it and protect your insurance in 2026.