What homeowners should know about trampolining safety & insurance coverage

A trampoline is a fun addition to any home, but trampolining safety is extremely important. Trampoline injuries are common and can be serious. Luckily, you can still enjoy bouncing in your own backyard with the right safety precautions.

Here is some more important info about having a trampoline at home:

Do trampolines raise your homeowners insurance?

Statistically, a trampoline in your property means an increased risk of somebody being injured. Therefore, your insurance company may increase your premium to cover for the extra liability.

Taking the right trampoline safety precautions such as including an adequate safety net might help mitigate this extra cost. Make sure you place your trampoline on energy absorbing ground instead of a hard surface like a patio.

Other precautions like adding safety pads and always having adult supervision for small children are recommended. Avoid allowing more than one person trampoline jumping at a time, as multiple bodies increases your chance of injury.

What insurance types cover trampolines?

Some homeowners insurance policies have exclusions for trampolines due to the extra liability from possible trampoline injuries. However, you can get additional liability coverage through an umbrella policy. An umbrella policy can provide additional liability coverage for common risks and give you better peace of mind.

Jumping on a trampoline can be a fun and exhilarating activity, but it comes with many risks. Always establish and enforce trampoline safety rules and practice good safety habits like avoiding unsupervised access. With a trampoline safety net and enough cushioning material, you can enjoy the thrill of bouncing and stay safe at the same time.