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 When Kyle and Denise moved into their home in Yukon, they knew they wanted to make the backyard a place their kids could enjoy year-round. A trampoline seemed like a perfect idea—good for exercise, hours of fun, and a magnet for neighbor kids. But after an underwriter from their insurance company drove by and spotted the uncovered trampoline without a safety net, they got an unexpected letter in the mail. The insurance company issued a warning: either remove the trampoline or lose your homeowners coverage at renewal. That call to their agent turned into a wake-up call. Like a lot of families in the Oklahoma City area, they didn’t know trampolines could affect their insurance policy at all—let alone get them dropped. Why Trampolines Can Be a Problem for InsurersInsurance companies don’t have anything against backyard fun. The problem comes down to risk—and trampolines come with quite a bit of it. Broken bones, concussions, and falls off the side are all too common, especially when multiple kids jump at once or the trampoline lacks a safety enclosure. From the insurance company’s point of view, your backyard trampoline is what’s called an "attractive nuisance." It draws people in, especially kids, and poses a liability hazard that could result in injury and legal action. If someone gets hurt, especially if they weren’t invited or supervised, you could be held liable—and that claim can fall back on your homeowners policy. How Trampolines Affect Your Homeowners Insurance in Oklahoma CityOklahoma homeowners insurance policies vary widely, but trampolines tend to show up in one of three ways: Trampolines Covered Without Restrictions Some homeowners policies do cover trampolines, assuming reasonable safety measures are in place. These might include a safety net, properly installed anchors, and a fenced yard. If you have this kind of coverage, any injury that occurs on your trampoline might be included under your personal liability portion of the policy. Trampolines Covered With Conditions Other policies will only cover a trampoline if certain conditions are met—like the installation of a safety enclosure or limitation of use to family members only. If you don’t meet these conditions, your claim could be denied, or you could face non-renewal. Trampolines Completely Excluded Finally, some Oklahoma insurance providers exclude trampolines outright. That means even if your child’s friend breaks an arm while jumping, your homeowners policy won’t respond. You’d be left paying out-of-pocket for medical bills or legal fees if you're sued. What to Check in Your Homeowners Insurance PolicyBefore you run out and install that trampoline (or if you already have one), it's a good idea to pull out your policy documents or talk with your agent. Look for language under your personal liability coverage or exclusions section. Here are a few things to ask about:
How to Lower Your Liability Risk with a TrampolineIf you want to keep the trampoline and stay covered, there are ways to reduce your risk and make your insurer more comfortable: Install a Safety Net Enclosure A net helps prevent falls and is often the number one condition for trampoline coverage. Make sure the net is securely fastened and in good condition. Anchor the Trampoline Oklahoma winds are no joke. A loose trampoline can turn into a dangerous projectile during a storm. Anchoring it to the ground reduces both physical risk and damage risk. Use a Safety Pad Cover the springs and edges with a thick safety pad to help prevent injuries. Supervise All Use Make a family rule that kids can’t jump without adult supervision, and limit the number of jumpers at once. Keep the Trampoline Inside a Fenced Yard If someone trespasses and gets injured, you could still be liable. A locked gate can help reduce that exposure. Consider Umbrella Insurance If you’re worried about what your homeowners insurance policy doesn’t cover, adding an umbrella policy gives you an extra layer of liability protection—often at a reasonable price. Why You Should Always Talk to a Local Insurance Agent FirstIn Oklahoma City and the surrounding areas—like Edmond, Moore, Norman, and Mustang—homeowners face a mix of weather risks, liability risks, and coverage differences between carriers. A trampoline might be allowed by one company and banned by another. That’s where working with a local independent agent, like Oklahoma Insurance Professionals, makes all the difference. We know which insurance companies are open to backyard additions like trampolines, pools, and swing sets, and we’ll help you weigh the pros and cons of coverage options before you buy. We can also help you review your insurance policy to spot exclusions, explain replacement costs, and figure out where you might need additional coverages. That way, you don’t find out the hard way—after an accident—that you’re not protected. Keeping Fun Safe (and Insured)Trampolines bring a lot of joy to Oklahoma backyards, but they can also bring unexpected insurance headaches if you’re not prepared. Before you let your kids bounce their hearts out, take time to check your homeowners policy, ask your insurance agent the right questions, and make any safety updates that might be required. Your goal isn’t just to have fun—it’s to have fun without worrying about being left uncovered in the event of a claim. If your current policy isn’t trampoline-friendly, it might be time to shop around or add an umbrella policy for peace of mind. Whether you’re in the heart of Oklahoma City or in nearby communities like Midwest City, Del City, Norman, or Edmond, Oklahoma Insurance Professionals is here to help. We’ll review your policy, discuss your backyard plans, and recommend smart insurance solutions that protect you, your family, and your visitors. Ready to make sure your home is covered—even with a trampoline in the mix? Reach out to Oklahoma Insurance Professionals today.
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