Does Homeowners Insurance Cover Trampolines?
Trampolines can be a great addition to your home, but don’t ever get one without finding out everything you can about how it will impact your homeowners insurance policy.
Table of Contents
Load full table of contents
Jumping on a trampoline is a fun activity for children, but it also poses a high risk of injury that might require additional insurance.
When you’re a kid, there aren’t many things better than a trampoline. But when you get older, reality starts to sink in. Trampolines may still be fun, but you start to see them from a more realistic side, and that realistic side is pretty pessimistic.
Trampolines are dangerous. There’s simply no way around that. That’s where insurance companies come in. It goes without saying that insurance companies are wary of anything that can be dangerous, and just because you’re responsible doesn’t mean they know that.
So, how do insurance companies feel about trampolines? Does a homeowners insurance policy cover a trampoline? Read on to find out everything you need to know—with a little help from
car insurance
comparison and broker app Jerry
.Are trampolines covered under homeowners insurance?
This might not be the answer you were hoping for, but it's the truth: sometimes. Homeowners insurance policies sometimes cover trampolines. It depends on your insurer and your plan, and on how a trampoline is listed.
Sometimes a trampoline will be insured only as personal property, meaning a homeowners insurance plan will cover the cost if damage occurs to the trampoline, but not the liability if a person is injured on it. And sometimes a trampoline will be insured, but it will raise your premiums.
It all depends on your plan. It’s common for trampolines to be covered on your homeowners insurance, and also equally common for them to not be.
Let Jerry find your price in only 45 seconds
No spam · No long forms · No fees
There are sometimes stipulations
Often, if trampolines are included in a homeowners insurance plan, they come with stipulations. These specifics are based around making the trampoline as safe as possible to limit how dangerous the toy is.
Usually the stipulations are physical. The most common one is that you have to have a protective net or barrier around the trampoline. Another common one is that the trampoline has to be placed on a soft surface, and not on top of wood or concrete.
Some of the stipulations refer to use. For instance, an insurance policy may mandate that only one person can be on the trampoline at a time, or that children cannot be on the trampoline without adult supervision. Often there's a minimum age for children on the trampoline.
What is an attractive nuisance?
You might see trampolines listed on your homeowners insurance plan as an "attractive nuisance." Depending on your situation, a trampoline may or may not be listed as such. So what does that mean?
An attractive nuisance is a term for items that children are attracted to, but that pose a danger that the kid might not realize. Depending on where you live and your insurance company, attractive nuisances may raise your insurance premium, or simply be excluded from what is covered in your policy.
Can I still have a trampoline if my insurance policy doesn’t cover it?
Even if your homeowners insurance doesn’t cover trampolines, you can often still have them. However, it depends on your policy. Many homeowners insurance companies won’t issue a policy if you have a trampoline.
The reason for this is simple: If you have a trampoline, you’re more likely to have a serious injury on your property. And even if the policy doesn’t cover trampolines, you could try and lie about the cause of the injury when filing an insurance claim, and the company would have a hard time proving that your claim isn’t valid.
If you want a trampoline, contact your agent
If you’re thinking of getting a trampoline, be sure to contact your insurance agent. If your policy doesn’t allow for trampolines, then you could have your policy voided without knowing it, just by purchasing this toy.
So, call your insurance agent and make sure you’re allowed to have a trampoline, then find out if it’s covered under your plan, and if there are any stipulations.
Finding the right insurance for your home isn't easy, and neither is finding the right car insurance plan. Use the
Jerry
app to get the best coverage for your vehicle at the best possible price. Download Jerry to instantly be connected with multiple quotes from top insurance providers.RECOMMENDED
Saved $725 annuallySaved $834 annuallySaved $668 annually
Haven’t shopped for insurance in the last six months? There might be hundreds $$$ in savings waiting for you.
Judith switched to Progressive
Saved $725 annually
Alexander switched to Travelers
Saved $834 annually
Annie switched to Nationwide
Saved $668 annuallyCheck if you are overpaying for car insurance.
No phone calls. No long forms. Quotes from 50+ insurance companies.
Find insurance savings (100% Free)
4.7/5 Rating on App Store
Compare Car Insurance Quotes For Free
Jerry automatically shops for your insurance before every renewal. Members save $872/year.
Start saving money!
You might also be interested
.jpg&w=3840&q=75){kind=avatar}
