The short answer
It depends entirely on your insurer. Some cover trampolines without comment, some cover them only with safety netting and anchoring, some exclude trampoline injuries by endorsement, and some will not write a policy on a home that has one.
The three positions insurers take
Find which one applies to you before an injury, not after.
- Covered with conditions: enclosure netting, padded springs, ground anchoring, and sometimes a fenced yard.
- Excluded by endorsement: the policy stays in force but trampoline injuries are carved out of liability.
- Uninsurable risk: the insurer declines or non-renews the whole policy.
Non-disclosure is the bigger risk
If you did not declare the trampoline and the insurer later finds it during a claim inspection, they can argue material misrepresentation and rescind the policy — leaving you uninsured for the injury and everything else.
Check before you buy
Upload your policy to PolicyPal and we identify any recreational-equipment exclusion, safety condition, or disclosure requirement that applies.
Frequently asked
- Do I have to tell my insurer about a trampoline?
- Yes. It is a material fact. Failing to disclose it gives the insurer grounds to rescind cover after a claim.
- Does safety netting guarantee cover?
- No, but many insurers that would otherwise exclude a trampoline will cover one with netting, padding, and anchoring, sometimes with a higher liability requirement.
- What if the trampoline injures my own child?
- Liability does not apply to household members. Their medical treatment goes through health insurance.
Your policy is the only source of truth
Stop guessing. Check your actual policy.
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