The issue of home owners insurance and trampolines is a sticky one, and there are many answers to the question of coverage if you do have a trampoline. There are no absolutes, because every insurance company is different, and the policies can change from state to state, so the best idea is to simply check with your carrier and find out what the rules and regulations are.
There have been instances where insurance companies will cancel a home owners policy if they do discover that there is a trampoline. If the unfortunate does happen, where someone is injured in your yard while using your trampoline, and your insurance carrier isn’t informed that you have one, it can be very complicated, and very costly. This isn’t to say that no one should own one. Having a trampoline is a very personal decision, and although there are many studies that have shown the potential dangers with the contraptions, people can still opt to have them. For some, they are a risk, but an acceptable one.
In some instances, some carriers will offer the option of insuring the home with the exception of the trampoline. This removes any liability on their part, and puts it all on you. For many people, whose insurance policies are prohibitive, this is the best option, and again, it’s considered to be a reasonable risk.
It’s important, then, to understand your own policies limitations before setting out to plan for a new trampoline in your home. You may want to consider shopping around for a carrier that does have more liberal allowances if your own carrier does not. In the end, it is your yard, and they are your children, so look carefully at the statistics, and determine if the risk is truly worth it. This way, you’ll have the peace of mind of having done all that you can. And keep in mind that there are always options.