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 It was a classic Oklahoma summer day—blue skies, a few gusty winds, and kids bouncing around on the new trampoline in the Miller family’s backyard. But that joy came to a crashing halt when a surprise wind gust launched the trampoline over the fence and into their neighbor’s driveway. It dented the neighbor’s car and knocked down part of their wooden fence. The kids were fine, thankfully—but now the Millers were looking at an awkward conversation… and a whole lot of damage. This isn’t just a “freak accident.” In Oklahoma City, windstorms are common. And if you have a backyard trampoline, you might be exposing your home—and your wallet—to more risk than you think. What Home Insurance Typically Covers (and What It Doesn’t)When it comes to trampolines, your homeowners policy might offer coverage—but that doesn’t mean it always will. Coverage depends on the specific language in your policy and the decisions made by your insurer. Personal Liability Coverage This is the part of your home insurance that covers injuries or property damage you or your family members cause to others. So if your trampoline goes airborne and damages a neighbor’s property—or worse, if a guest’s child gets hurt while jumping—you could be on the hook. In that case, your personal liability coverage may help pay for:
However, many insurers treat trampolines as an “attractive nuisance”—something fun that also poses a serious risk. Some companies exclude trampoline-related claims entirely unless you've taken specific precautions. Medical Payments CoverageIf a child from next door gets hurt on your trampoline, your medical payments to others coverage might pay for their initial treatment—regardless of who was at fault. But only up to the limit listed in your policy, which is often low (think $1,000 to $5,000). If the injury is serious, that might not go very far. And if you're found negligent—like not having a safety net or letting kids jump unsupervised—you could be held liable beyond what your policy covers. Wind Damage and Flying TrampolinesIf a storm sends your trampoline into another property, you could be liable for the damage it causes. That’s why securing it isn’t optional—it’s critical. Some insurers might say you were negligent if you didn’t anchor it, and they could deny the claim altogether. What Can Cause a Denied Claim?Even if you have home insurance, there are situations where your provider might deny coverage:
That’s why it’s smart to speak with an independent agent before you set one up in the yard. Tips for Oklahoma City Homeowners with TrampolinesHaving a trampoline isn’t a deal-breaker—but it is a liability magnet. Here are a few ways to stay protected: 1. Disclose the Trampoline to Your Insurance AgentEven if it means a slightly higher premium, it’s better than finding out you’re not covered after an incident. 2. Anchor It ProperlyUse trampoline anchors or wind stakes. In windy areas like Oklahoma City, this can save you (and your neighbors) a lot of damage. 3. Install Safety Netting and PaddingThis may reduce injuries and help show you’re taking proper precautions—something insurers take seriously. 4. Supervise All ActivityDon't let kids jump unsupervised, and never allow multiple jumpers or flips unless it’s rated for that use. 5. Consider an Umbrella PolicyIf someone sues you for a serious injury, a basic home insurance policy might not be enough. An umbrella policy gives you additional liability protection—often up to $1 million or more. So—Will Home Insurance Cover It?Maybe. If your policy includes liability and doesn’t specifically exclude trampolines, you might be covered. But if your insurer didn’t know about the trampoline, or if your policy includes an exclusion, you could be stuck paying out of pocket. That’s why this isn’t something to guess on. Let’s Make Sure You’re Covered At Oklahoma Insurance Professionals, we help families in Oklahoma City and the surrounding areas understand what’s actually covered—and what’s not. We’re an independent agency, so we can look at multiple carriers and help you find the right home insurance policy with the right protections for your life—including those backyard trampolines. Thinking about installing one? Already have one? Give us a call before someone starts jumping. We’ll review your coverage, make sure you’re protected, and help you avoid any costly surprises.
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