How to Protect Your Kids & Your Insurance

Backyard trampolines can offer hours of outdoor fun, especially during the warmer months. But before you add one to your property, it’s important to understand the potential risks—and how that decision could impact your homeowners insurance coverage.

At Central, we’re committed to helping you protect what matters most, and that starts with staying informed. Whether you already own a trampoline or are considering one for your family, here’s what to keep in mind.

The Risk Reality: What Makes Trampolines a Coverage Concern?

While trampolines may seem like harmless entertainment, they present a range of safety and liability risks that insurance carriers take seriously. According to the American Academy of Pediatrics, trampoline-related injuries result in more than 100,000 emergency room visits each year. Many of these involve broken bones, head injuries, or sprains—particularly among children.

From an insurance standpoint, these risks translate into an increased exposure to potential claims, especially if a guest or neighbor is injured on your property while using the trampoline. In some cases, the injured party may pursue legal action, regardless of whether they had permission to use the trampoline.

Because of these concerns, trampolines can have a direct impact on your homeowners insurance policy—and not all carriers handle them the same way.

Coverage Considerations: Does Your Policy Include Trampoline Liability?

Homeowners policies typically include personal liability coverage that helps protect you if someone is injured on your property. However, coverage for trampoline-related incidents can vary widely. Some policies exclude trampolines altogether, others may require specific safety measures to be in place, and some may offer coverage only with prior approval.

If you’re unsure how your policy treats trampolines, the safest next step is to contact your independent insurance agent. They can review your current coverage, explain any limitations or exclusions, and work with you to update your policy if necessary.

It’s also worth noting that adding a trampoline could affect your overall insurance premium. Insurers consider a range of factors when calculating your homeowners rate, including the presence of recreational equipment like pools, trampolines, or play structures. If a trampoline increases your liability exposure, it may also increase your premium.

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Risk Management: Safety First, Always

If you do choose to have a trampoline on your property, there are steps you can take to help reduce risk and promote safer use:

• Install Safety Netting and Padding: Use a well-maintained trampoline with a safety net enclosure and padded springs and frame.
• Secure the Trampoline: Anchor it properly to the ground to prevent tipping or shifting in wind.
• Supervise Jumpers: Never allow children to use the trampoline unsupervised. Adult supervision is essential.

Learn More: Summer Safety Tips: Expert Advice from Central

• Set Ground Rules: Limit use to one jumper at a time, prohibit flips or somersaults, and don’t allow children under the age of six to use the trampoline.
• Restrict Access: Consider fencing or a locking cover to prevent unsupervised use by neighborhood children.

These steps not only help reduce the chance of injury—they may also demonstrate responsible risk management to your insurance provider.

Remember: When life changes, your policy should too. Big or small, changes to your home can impact your insurance needs. Adding a trampoline, installing a pool, welcoming a pet, or taking in a tenant are just a few examples. Regular check-ins with your agent ensure your coverage evolves with you—so there are no surprises if the unexpected happens.

The Central Difference

At Central, we know that protecting your home isn’t one-size-fits-all. That’s why we work closely with our network of independent agents to provide policies tailored to your unique needs—and to help you understand how lifestyle choices may influence your coverage.

Our team is committed to responsible risk guidance, thoughtful underwriting, and support when it matters most. If you’re considering adding a trampoline or have questions about what your policy covers, your Central agent is ready to help.