Trampolines are a lot of fun until something goes wrong. At Schneider Insurance Agency in Gahanna, OH, we talk with homeowners all the time who are surprised to learn that adding one to their backyard can have a real impact on their home insurance policy. It’s one of those things that seems simple but has more layers than most people expect.
Insurance Companies View Trampolines as a Higher Risk
From an insurer’s perspective, a trampoline is often referred to as an "attractive nuisance." That means it draws people in, especially neighborhood kids, and carries a much higher chance of injury. More injury risk means more liability exposure, and that’s something insurance companies take seriously when reviewing what’s on your property.
Your Policy Could Be Affected in Several Ways
Depending on your carrier, adding a trampoline could play out in several ways. Some companies will continue to cover you, but may require safety features such as a net enclosure or a lockable ladder. Others might exclude trampoline-related injuries from your liability coverage entirely. In some situations, an insurer may decide not to renew your policy at all. These aren’t outcomes most homeowners expect, which is why having a conversation with your agent before the trampoline arrives matters.
A Few Safety Steps Can Help
Adding safety netting, padding the springs, and keeping the area properly fenced can reduce both the chance of injury and complications with your insurer. Taking these steps shows you’re being responsible about the risk.
Have the Conversation Before You Buy
Reach out to the team at Schneider Insurance Agency in Gahanna, OH, before setting up that trampoline, so you know exactly where your coverage stands and what adjustments may be needed.
