How to Insure a Trampoline

Trampolines offer outside fun. A trampoline in the back yard is a dream come true for children of any age but fun in the sun comes with an increased risk. Contact your home insurance agent to manage risks associated trampolines. Practice trampoline safety, purchase adequate insurance and enjoy bouncing on your trampoline for years to come.

Instructions

Difficulty: Moderate

1. Read your home insurance policy's exclusion provisions and look for mention of trampolines. Contact your insurance agent if your policy contains a trampoline exclusion provision before you purchase a trampoline for your home.
2. Ask your insurance agent if it's possible to purchase additional insurance to cover your trampoline. Be prepared for a significant rate increase if coverage is available. Ask if owning a trampoline voids any existing policies.
3. Search for insurance companies that provide coverage for trampolines. Many companies no longer insure homes with trampolines. Contact large national companies that have a history of insuring trampolines like State Farm and Allstate. Ask for a home insurance quote that includes trampoline coverage.
4. Install safety features to your trampoline such as padding and nets. Build a fence around your yard to prevent uninvited guests from using your trampoline.
5. Consider removing an existing trampoline if you cannot insure it. Purchase a new trampoline only after obtaining home insurance that covers trampolines. Realize that trampolines increase the risk of injury occurring at your home. Balance the risk to your financial security against your need for fun in the sun before you install a trampoline without having the proper insurance.

Tips & Warnings

• Notify your insurer if you have a trampoline. The presence of a trampoline is grounds for cancellation under some home insurance policies.