Having a trampoline in your backyard for enjoyment also introduces potential serious risks. However, typical homeowners insurance policies may not cover these risks uniformly, as coverage varies among states and insurance providers.
To mitigate potential issues, confirm that your homeowners insurance policy explicitly includes coverage for your trampoline. Many insurance providers may choose to decline liability related to trampolines and explicitly exclude such items from coverage.
Note: Actual policies must be consulted for specific terms and conditions.