Do Trampolines Fall under Dwelling Coverage?

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Boys on trampoline (Photo: @heather_lee_wilson via Twenty20)
There’s no denying that trampolines are fun. However, if you are considering buying a trampoline or if you have one already, you might be surprised to find out that trampolines don’t always play nicely with home insurance companies.
Trampolines come with a number of liability risks. Not only is the injury rate extremely high, trampolines are also considered attractive nuisances.
That being said, if your home insurance policy happens to cover trampolines, do you know what part of your plan they fall under? And, more importantly, do you know what factors could make your HO policy refuse to cover your trampoline?

Do trampolines fall under dwelling coverage?

No, trampolines are not covered in dwelling coverage. Your dwelling is considered your primary residence or anything directly attached to your residence, like porches, patios, and decks.
If a trampoline were to be covered under a home insurance policy, it could potentially fall under personal property coverage, liability coverage, or other structures coverage. However, trampoline coverage is handled differently by every insurance company and state.
Broadly speaking, trampoline coverage could be handled three different ways by your standard policy:
Trampoline exclusions: Some insurance companies simply will not cover trampolines. If your policy has a trampoline exclusion that means your insurer will not process any trampoline-related claims. In some cases, adding a trampoline to your property may also cause the homeowners insurance provider to drop your policy.
Coverage with safety precautions: In some cases, insurers will agree to cover your trampoline (up to a designated limit) if you adhere to established safety precautions.
No exclusions: If your policy has no exclusions that means there are no restrictions on trampoline ownership or usage. So, if a child were injured on your trampoline, the liability coverage component of your homeowners insurance company may cover some of the bills.

Why are trampolines difficult to insure?

The bottom line is, trampolines pose liability risks and your insurance company might not want to take on that extra risk. Trampolines are also considered attractive nuisances. An attractive nuisance is a structure or item that attracts the attention of children while also posing a significant risk to their safety.
Other attractive nuisances include pools, hot tubs, decorative water features, swing sets, fire pits, etc. When you own an attractive nuisance, it is expected by your homeowners policy that you take reasonable precautions to secure them. If you do not, you could be held responsible in court for a child’s injuries, even if you weren’t on the premises when they were injured.
Here are some steps you can take to secure your trampoline:
  • Correctly set up and maintain your trampoline
  • Ensure you place your trampoline on even terrain
  • Visibly post and enforce safety rules
  • Ensure you install all safety features like zip enclosures and padding
Home insurers are hesitant when it comes to covering trampolines (for a good reason). If you are thinking about getting a trampoline, contact your insurance agent to inquire about additional coverage.