Adding a trampoline to your backyard can be a lot of fun—but it can also raise some important questions about your homeowners insurance coverage.
At Staples & Associates Insurance, one of the most common questions we hear is: “Will my insurance cover a trampoline?” The answer is: it depends—but it can absolutely impact your policy.
Why Trampolines Are a Concern for Insurance Companies
From an insurance perspective, trampolines are considered an “attractive nuisance.” That means they can draw attention—especially from children—and increase the likelihood of injuries.
Because of this, trampolines come with higher liability risks, including:
- Falls and injuries
- Guests getting hurt on your property
- Potential lawsuits or medical claims
Even if someone uses your trampoline without permission, you could still be held responsible.
Will Homeowners Insurance Cover a Trampoline?
In many cases, homeowners insurance can cover a trampoline, but coverage varies by carrier.
Some insurance companies may:
- Allow trampolines with certain safety requirements
- Increase your premium
- Exclude trampoline-related claims entirely
- Decline coverage if a trampoline is present
That’s why it’s important to review your policy before (or after) installing one.
How a Trampoline Can Impact Your Policy
Owning a trampoline can affect your insurance in several ways:
Higher Liability Risk
Your liability coverage may need to be increased to better protect against potential claims.
Policy Restrictions
Some carriers require:
- Safety nets or enclosures
- Secure placement (such as fenced-in yards)
- Specific installation guidelines
Possible Exclusions
In some cases, injuries related to trampolines may be excluded from coverage altogether.
Ways to Reduce Risk (and Protect Your Coverage)
If you have—or are considering—a trampoline, there are steps you can take to reduce risk:
✔ Install a safety net enclosure
✔ Place the trampoline on level ground
✔ Use protective padding over springs
✔ Limit use to one jumper at a time
✔ Supervise children at all times
✔ Consider adding a fence around your yard
While these steps don’t eliminate risk entirely, they can help make your property safer and may improve insurability.
Do You Need Additional Coverage?
Depending on your situation, you may want to consider increasing your liability coverage or adding an umbrella insurance policy for extra protection.
This is especially important in areas with higher property values—like parts of North Bethesda, MD—where liability claims can be more costly.
Why It’s Important to Talk to Your Agent
Before setting up a trampoline, it’s a good idea to speak with your insurance agent.
At Staples & Associates Insurance, we help homeowners:
- Understand how trampolines impact their policy
- Review coverage options across multiple carriers
- Identify potential gaps before they become problems
Every insurance company handles trampolines differently—so having expert guidance matters.
Trampolines and Homeowners Insurance in Maryland & Delaware
Whether you’re in North Bethesda, Salisbury, or Harrington, trampoline-related risks can impact your homeowners insurance.
Local factors—like property size, neighborhood density, and liability exposure—can all play a role in how your policy is structured.
Thinking About Adding a Trampoline? Let’s Talk
A trampoline can be a great addition to your backyard—but it’s important to make sure your insurance coverage keeps up.
If you have questions about your homeowners insurance policy or want to review your coverage, Staples & Associates Insurance is here to help.
Contact us today to make sure you’re properly protected.
Staples & Associates Insurance is an independent insurance agency with locations in North Bethesda, Maryland, Salisbury, Maryland and Harrington, Delaware specializing in farm insurance, home insurance, auto insurance, life insurance, business insurance and more.
We provide personalized insurance solutions designed to protect farms, families, and businesses with coverage tailored to local risks and evolving industry changes. (410) 546-3999 | https://staplesagency.com/