Renters insurance might cover damage to a trampoline, but you’ll likely need to purchase additional liability coverage to cover medical expenses for individuals who are harmed on your trampoline.

Trampoline coverage isn’t necessarily included in a standard renters insurance policy.
Check your policy or contact your insurance agent to see if your personal property coverage and personal liability coverages extend to incidents involving your trampoline.
Owning a trampoline may cause a provider to raise your renters insurance rates or refuse insurance coverage altogether.
Renters insurance companies may approve a trampoline so long as you commit to certain safety precautions.

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Find cheap renters insurance quotes

Renters insurance sometimes covers trampolines

Trampolines can be considered part of the

personal property

section of your renters insurance policy. In this case:

Your insurance might cover damage to the trampoline itself, but

Your renters insurance might not cover trampoline injuries.

Renters insurance also offers

personal liability insurance

that could cover medical bills and legal fees up to your liability limit. However, basic liability policies may list trampolines as exclusions because of the high risk they attract.

When in doubt: Your renters insurance offers the same level of protection as a comparable

home insurance

policy. Check your insurance company’s homeowners insurance policies to see if your renters insurance covers trampolines.

MORE: Does homeowners insurance cover trampolines?

A trampoline can raise your premiums

A trampoline is considered an attractive nuisance, which means it attracts unsupervised children and raises your property risk. This increases the financial risk that your renters insurance company is assuming, which in turn increases your insurance premiums.

The methodology: Your renters insurance cost is based on the amount of risk that the company is assuming. Keeping a trampoline at the house, apartment, or condo that you are renting increases your risk, so insurance providers raise premiums to offset potential losses.

A trampoline can void your renters insurance

If you don’t yet have renters insurance: You might find that disclosing the presence of a trampoline will make some homeowners insurance companies unwilling to offer you a policy.

If you already have renters insurance: Your policy could be voided if you purchase a trampoline without informing your insurance company. In a worst-case scenario, you may not find out that your policy is void until something happens and you need to use your renters insurance.

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Is renters insurance worth it?

A trampoline can require you to take certain precautions

Many companies will still issue renters insurance if you have a trampoline, but you’ll have to prove that you’re taking precautions to limit the danger.

Some of the precautions you might have to take include:

Setting up a protective safety net around the trampoline

Placing the trampoline on top of a soft surface

Limiting the number of kids on the trampoline at one time

Only allowing children to use the trampoline when under direct adult supervision

A number of insurance companies will still offer you renters insurance with only a slight premium increase—or no increase at all!—so long as you are taking precautions.

Key Takeaway Your insurance provider might ask you to use trampoline safety measures, and might even lower costs if you do so. This, again, depends on the company's policy.

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