Homeowners insurance coverage for trampolines

Trampolines pose a higher risk of injuries compared to other recreational equipment. As a result, some insurance companies view trampolines as a potential liability and may exclude or limit coverage for trampoline-related incidents. They may consider trampolines an attractive nuisance, especially if there are no safety precautions in place. Insurance providers may require specific safety measures, such as having safety nets, padding, or enclosures around the trampoline, to maintain coverage. Failure to adhere to these safety guidelines may result in coverage exclusions or policy cancellation. Some insurance companies may not provide coverage for trampolines at all, while others may impose higher premiums or have specific endorsements related to trampoline use. It's crucial to review your policy or consult with your insurance provider to understand the coverage details and any restrictions related to trampolines.