Trampolines provide hours of fun for children and families, but they also come with risks. Many homeowners are unaware that having a trampoline can affect their homeowners insurance. Some insurance providers may increase premiums, place restrictions on coverage, or even exclude trampolines from policies altogether.
Understanding how a trampoline impacts insurance coverage can help homeowners make informed decisions.
Insurance providers assess risk based on factors that could lead to claims. Trampolines are considered high-risk because they increase the likelihood of injuries and liability claims.
Common concerns include:
Falls that result in broken bones or concussions
Collisions between multiple jumpers
Accidents due to improper trampoline setup or lack of safety features
Due to these risks, some insurance companies may charge higher premiums or require safety precautions before offering coverage. Others may exclude trampoline-related claims, leaving homeowners financially responsible for injuries on their property.
The impact on homeowners insurance depends on the provider and policy details. Some potential effects include:
Higher Premiums: Insurers may raise rates due to the increased liability risk.
Coverage Restrictions: Some policies require trampolines to have safety enclosures or be in fenced yards.
Claim Denials – If a policy excludes trampolines, the insurer may not cover injuries or damages related to trampoline use.
Policy Cancellations – Certain providers may refuse coverage if a trampoline is on the property.
Checking with an insurance provider before installing a trampoline helps homeowners avoid unexpected changes to their policy.
Also Read: Understanding Homeowners Insurance: Is It Part of Your Mortgage?
Taking precautions can help lower the risk of trampoline-related injuries and may prevent insurance issues. Some standard safety measures include:
Installing a safety net enclosure to prevent falls
Placing the trampoline on level ground away from trees, fences, or other hazards
Limiting the number of jumpers at one time
Ensuring adult supervision at all times
Checking with the insurance provider to confirm coverage requirements
Following these safety guidelines can reduce accidents and demonstrate responsible trampoline use to an insurance company.
Before purchasing a trampoline, homeowners should review their current insurance policy or speak with an agent to understand how it may affect their coverage. Some providers offer policies that accommodate trampolines with proper safety precautions in place.
At Bell Black Insurance, we help homeowners find policies that meet their needs while providing the right coverage for potential risks. Our team can review policy options and explain how a trampoline may impact homeowners insurance. Contact us today at 208-356-9565 to discuss coverage options and ensure your home remains protected.
