Will a trampoline affect my home insurance?

I'm thinking of buying a trampoline with a safety net enclosure for my kids. Will having one on my property affect my homeowners insurance?

Answer
Trampolines are typically okay with most carriers, especially if policyholders take the right precautions with them. Insurance companies get worried about trampolines because of the liability. If someone jumps on your trampoline (even without your permission) and gets hurt, they can sue you and your insurance would cover the medical payments and lawyer fees to go to court.
If you do get a trampoline, then in addition to obtaining a safety net, you need to make sure it is secured properly to the ground. You are also going to need a fenced-in backyard — you need to make sure people cannot walk onto your property and jump on the trampoline. With these precautions, the trampoline may have no effect on your homeowners insurance.
Then again, some carriers are known to raise premiums or even void policies altogether because of trampolines. It’s best to contact your insurance company and ask how a trampoline might impact your policy.
For more information on this topic, check out this article: How a Trampoline Affects Your Homeowners Insurance.
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Savannah Grabek
Answered on Apr 02, 2021
Savannah Grabek is an expert in Personal Lines insurance. She has 5 years experience in the insurance industry. Savannah began her carrier working with just property insurance and is now tenured in all personal line including home, auto, motorcycle, boat and umbrella. She previously worked for GEICO and has now been working with Jerry insurance for the past year. Savannah lives in New York with her son, fiancé, and puppy Bear. In her free time she enjoys spending quality time with her family and hiking with her dog.
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