Undoubtedly, your homeowner's insurance will cover your liability claims resulting from third-party bodily injuries and property damage caused in and around your premises. However, having increased exposure to liability issues, including having a trampoline in your yard, can affect your homeowner's insurance. If you are considering buying a trampoline, you must understand whether your homeowner's insurance policy covers trampoline-related liabilities and when it covers them.

How Does a Trampoline Affect Your Home Insurance?

It depends on your insurance provider, as some providers may have no issues with having a trampoline. In contrast, others may require you to have a safety enclosure to mitigate the risk of injuries. You must inform your provider about whether you have a trampoline with or without a safety net. If you fail to inform them and they find it out later, they will deny the coverage even if your claim is unrelated.

When Are Trampolines Covered?

Your homeowner's policy covers trampolines in two ways, including:

At All Times

If there are no exclusions in your homeowner's policy, damage to your trampoline and your trampoline-caused damages and injuries, both are covered under every circumstance, including:

• If your child's friend is playing around and injured their hand, your policy's medical payments and personal liability coverages will pay for their medical bills and your legal expenses if you are sued
• If your trampoline is damaged by a covered peril like a windstorm or hail, your property coverage will pay for repairing/replacing expenses.

Under Specific Circumstances

Some insurance providers may require you to meet specific conditions to be eligible for coverage. This may include a safety net that should enclose your trampoline up to a specific height, or you must ensure it is completely fenced in and out to prevent access to unwanted guests.

Though injuries sustained by trespassers won't come under your liability, you must take responsibility if your trampoline injures your neighbors or guests, so have a safety net for increased protection and decreased risk.

When Are Trampolines Excluded?

Some insurance providers always exclude coverage for trampolines (in two ways) though they have protection.

• They let you buy the policy and keep the trampoline but don't offer coverage for it
• Some insurers may deny coverage until you take off the trampoline from your yard

Is There Any Coverage for Trampolines?

Yes, you can buy a personal umbrella policy to cover liability claims exceeding the limits of your homeowner's insurance policy. For example, suppose a trampoline-related third-party liability claim costs $500,000, and your homeowners liability limit is just $300,000. In that case, your umbrella policy will pay for the remaining $200,000, saving you from paying out of pocket while keeping you adequately covered.

Having trampolines is not an issue, but buying sufficient coverage matters. Trampolines have an increased risk of injuries, so you must either increase your liability coverage limit or buy umbrella coverage to stay sufficiently protected against such risks.

Cover Your Trampolines with East End Insurance

At East End Insurance Agency, we offer customized homeowners insurance policy that includes coverage for trampolines as per your specific requirements and risk exposures. Contact our insurance professionals today to get started or if you have any questions concerning the coverage.