Homeowners Insurance and Trampolines

Trampolines are not the safest things in the world when it comes to safety. Trampoline manufacturers add safety netting and cover around the springs to make trampolines safer.

According to the American Academy of Paediatrics, one million emergency room visits were made between 2002 and 2011 due to trampoline-related injuries. So, while buying a trampoline, do we need to mention our homeowner’s insurance company? That is, without a doubt, a yes to your query.

If you don’t tell your insurance company about your trampoline purchase, here are some reasons and what could happen if you don’t.

Why would you inform your insurance company about this?

Trampolines pose a substantial danger of injury to everyone who decides to jump on them, as we have previously highlighted in this article and on our website.

Put another way: Trampoline use can be dangerous, depending on how it is used and who is utilizing it, says the Lincoln Orthopaedics Center. You can still get hurt on a trampoline even if it has a safety net and spring cover.

There’s nothing wrong with involving your homeowner’s insurance in this situation. Your homeowner’s insurance will cover two things: Individuals not covered by your standard insurance policy

Recommended: How Long Should I Jump On The Trampoline to Lose Weight?

Liability insurance is included in your homeowner’s insurance policy.

Like vehicle insurance, this works similarly.If you cause an accident with your vehicle, your liability insurance will pay for the other driver’s medical bills and damages.

In the same way, your homeowner’s insurance will cover you if someone is injured while staying at your residence. If a neighbor or acquaintance gets wounded while jumping on your trampoline, your homeowner’s insurance liability section will take care of them.

Recommended: Why Every Kid Should Have a Trampoline

Any harm your trampoline may have caused to your home.

Trampolines are similar to kites in that they may fly around your yard if the wind blows exactly the right way. And this could happen if your trampoline is not properly secured.

If our trampoline had not been anchored to the ground in two big cities, it is highly possible that it would have been blown away in heavy winds. Our trampoline, however, was an in-ground trampoline.

If your trampoline is not fixed in the ground, it is possible that it could fly into your home and cause damage. You may be able to get your homeowner’s insurance to pay for the trampoline damage.

Trampoline insurance may not cover the trampoline.

Your homeowner’s insurance may or may not provide the coverage you expect. As a result, you should speak with your homeowner’s insurance provider before making any purchases, including a trampoline.

To ThePennyHoarder.com, at least. So, before you buy a trampoline, it is usually a good idea to check with your homeowner’s insurance.

If you don’t have a trampoline in your backyard, you could end up with a canceled homeowners policy from the insurance provider, or you might not be able to renew when the time comes. Additionally, if your insurance policy is canceled, it could hurt your credit score.

Recommended: How Do I Convince My Parents To Get Me a Trampoline?

If nothing else, what else is possible?

Some additional measures may be necessary if your homeowner’s insurance covers trampolines. Purchasing an umbrella policy is one of these stages

Over and above your standard homeowner’s insurance, American Family Insurance recommends purchasing an additional Umbrella Insurance Policy.

Umbrella insurance will cover any additional costs incurred by someone hurt while jumping on a trampoline that is not covered by your policy.

It will cost you extra each month, but it’s better than paying someone’s medical bills out of your wallet. Try to get as many trampoline safety measures as you can afford.

The trampoline’s safety net and spring cover are included in this. These accessories may already be included with your trampoline when you buy them.

Should this not be the case, you may always order them from Amazon. A small investment today could save you from having to foot the tab for someone else’s medical expenses in the future.

The final option, and maybe the most difficult, is to forbid strangers from jumping on your trampoline.No one outside of your family should be allowed on the trampoline, so you can avoid all the hassles of getting more coverage.

If your children have friends or family who live nearby and prefer to come and play, this will be a more difficult assignment. But in the long term, you’ll be glad you did.

Recommended: Top 5 Things That Ruin Your Trampoline Springs


Buying a trampoline necessitates contacting the insurance company that already covers your property. You should be able to find out if you qualify for coverage from them, and if not, you can start looking for another one that will.

Your insurance coverage may cover trampolines, as provided by FirstQuarterFinance.com.Check to see if you have enough insurance to cover the cost of someone’s medical bills if they get hurt while jumping on your trampoline.

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