The short answer
Trampolines are an 'attractive nuisance.' Some US insurers exclude them outright, some require a full-perimeter safety net and locked gate, and some charge a surcharge. Guest injury liability is the real exposure — a broken neck can generate $500K+ claims, and umbrella policies also often exclude trampoline liability.
Frequently asked
- Do I have to disclose the trampoline?
- Yes on the application. Non-disclosure is material misrepresentation and grounds for rescission.
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