Homeowners Insurance and Trampolines


When it comes to safety, trampolines are not the safest things in the world.

The companies that make trampolines try to make them safer by putting safety nets around the outside of the trampolines and covers around the springs.

But still, the American Academy of Pediatrics reports that in a 10 year span between 2002 and 2011, 1 million visits to the Emergency Room were for trampoline based injuries.

So, the question comes up about whether or not we should tell our homeowners insurance when we purchase a trampoline? The answer to that question is an unquestionable yes.

Read on to find out the different reasons why you should tell your homeowners insurance about your purchase of a trampoline and what could happen if you don’t.

Why tell your homeowners insurance

As discussed previously in this article and in other articles on our website, trampolines are a high safety risk for anyone willing to jump on them.

According to the Lincoln Orthopaetic Center:

In fact, it is estimated that emergency rooms spend an average of $1 billion every year treating injuries sustained on trampolines. Of this, more than $400 million was spent just on treating broken bones.

Common Trampoline Injuries (ortholinc.com)

So trampolines are not incredibly safe to use, depending on who is using them and how they are being used.

Even with the addition of a safety net and spring cover, you can still get injured on a trampoline.

Involving your homeowners insurance in this case just makes sense.

The homeowners insurance will cover two things for you:

People not covered by your regular insurance

Within your homeowner’s insurance, there will be something called liability insurance.

This works much like with your car insurance.

If you are involved in an accident with your car, the liability portion of your car insurance will cover the other driver if you were the one that caused the accident.

The same is true with your homeowner’s insurance, it will cover if someone gets hurt at your home.

And in the case of a neighbor or friend jumping on your trampoline, if you are found liable for that person getting hurt, the liability portion of your homeowner’s insurance will cover them.

Any damage inflicted on your house by your trampoline

Trampolines are very much like kites in the way that if the wind hits them just the right way, they could go flying around your yard.

And if you do not have your trampoline anchored down, that could happen.

In two of the major cities we have lived in, both had seasons of very high winds and if our trampoline was not in the ground, it would have been likely that trampoline would have been found blocks away.

But we were fortunate that our trampoline was an inground trampoline.

In the case where your trampoline is not inground and it is not anchored in, it is possible that your trampoline could end up flying into your house and damaging it in some way.

If that happens, your homeowner’s insurance could cover the damage the trampoline caused.

What might homeowners insurance cover with the trampoline

It is not guaranteed what your homeowner’s insurance will cover.

That is why it is a good idea to contact your homeowner’s insurance before you purchase your trampoline.

According to ThePennyHoarder.com

The way trampolines are covered by a home insurance policy varies widely by company, according to R.J. Weiss, a certified financial planner and former licensed insurance agent who founded the personal finance website The Ways to Wealth.

“Some insurance companies will exclude any incidents related to having a trampoline,” Weiss said. “Others may allow trampolines only if there is protective netting. Others may not mention a trampoline specifically in the policy, and therefore, you can assume it’s covered.”

“If your policy excludes you from having a trampoline, your insurance company has the right to cancel your policy,” Weiss said. “Other companies will non-renew your policy, which means not allowing you to extend the policy once the current term is over. This is often the case when an insurance company’s underwriting team doesn’t care for trampolines but doesn’t explicitly exclude them.”

How Buying a Trampoline Affects Your Homeowners Insurance (thepennyhoarder.com)

So, it is always a good rule of thumb to contact your homeowner’s insurance before you purchase a trampoline.

If not, you could find yourself with a canceled homeowners policy because the company will not cover a house with a trampoline in the yard or they might not allow you to renew when the time comes.

And if your policy gets canceled, it could negatively affect your credit score, among other things.

What else can be done

If your homeowner’s insurance does cover trampolines, there are a few other steps you might want to consider.

One of these steps is purchasing an Umbrella Insurance Policy.

According to American Family Insurance:

Umbrella insurance adds a layer of liability protection above what your homeowners policy offers. This means, if you face a substantial lawsuit that goes beyond your homeowners liability coverage, your umbrella coverage will step in and help cover the outstanding cost — protecting your assets and life savings.

Does Homeowners Insurance Cover Trampolines? | American Family Insurance (amfam.com)

The Umbrella Insurance Policy will cover over what your normal homeowner’s insurance will cover.

This means that if someone gets injured at your house while jumping on your trampoline and their injuries cost more than what your coverage is, the umbrella insurance will go above and beyond your coverage.

This is going to cost you more on a monthly basis, but it will beat having to pay someone’s medical bills out of pocket.

Also, try to spring for as many safety features are you can for the trampoline.

This includes the safety net around the trampoline and the spring cover.

Some trampolines you purchase will already come with these items.

But if they do not, purchase them from Amazon.

Again, spending a little bit of extra money now could help you avoid paying someone’s medical bills in the future.

The last option, and probably the hardest one, is not let people jump on your trampoline if they are not part of your family.

You could avoid all the problems of getting more coverage by not allowing on the trampoline that is not in your family.

This will end being a more difficult task, especially if your kids have friends or family that live nearby that like to visit and play.

But will be more worth it for you in the long run.

Summary

Overall, do not hesitate to contact the company that currently provides you homeowner’s insurance when you purchase a trampoline.

They should be able to walk you through whether or not you can get coverage, and if they will not provide coverage to you, then you can start shopping around for a company that will.

FirstQuarterFinance.com provides a list of insurance companies that will probably cover trampolines in their policy.

Make sure you have the coverage you need and purchase additional coverage if you are worried about having to cover someone’s medical expenses if they get injured jumping on your trampoline.

Bill Lantz

Bill Lantz is a database analyst by day and a weekend warrior by... weekend. He's currently building up his own miniature homestead in Central Utah with his wife and six kids. Some of his interests include knowing random trivia about films, reading history books, and playing video games with the boys.

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