Insurance Companies That Allow Trampolines: State Farm? Amica? etc

Many insurance companies offer homeowner’s policies that allow for trampolines, including Allstate, Amica Mutual Insurance, Farmers Insurance, GEICO, Liberty Mutual, MetLife, Nationwide, Progressive, and State Farm. Trampoline coverage requirements vary by company and state. We have details on each company’s trampoline coverage and requirements.

Insurance Companies That Allow Trampolines

Trampolines are fun for exercise and entertainment. But, they are also often the cause of injury, prompting the American Academy of Pediatrics to caution parents against home trampoline use. If you have a large, recreational trampoline or are thinking about buying one, you might want to look into trampoline coverage through an insurance company. Many insurance companies will include trampoline coverage, including injuries sustained from the trampoline, under a homeowner’s policy. To qualify, you may need to meet certain requirements, such as fencing in your yard or adding safety netting. And, keep in mind, adding trampoline coverage may increase your current rate.

Below, we’ve compiled the list of insurance companies that allow trampolines. It’s important to note that if you have a policy with one of the following companies it doesn’t mean that your trampoline is automatically covered. The only way to know for sure if your existing or new trampoline is covered under your insurance policy is to give the company a call to confirm.

Allstate

  • Trampoline coverage: Trampoline coverage is available under a homeowner’s policy.
  • Requirements: Vary by individual policy; to get specific requirements, you’ll need to go over your policy with an Allstate agent.
  • Cost: Varies by individual policy; you can request a quote on Allstate’s website
  • Coverage area: Nationwide
  • Source: Allstate representatives reached by calling (877) 810-2920

Amica Mutual Insurance

  • Trampoline coverage: Trampolines can be covered under a homeowner’s insurance policy, if proper safeguards are in place.
  • Requirements: The trampoline must have a net around it and must be in a fenced-in area so that others do not have access to it. A home inspection would need to be done to determine if the trampoline can be covered.
  • Cost: Varies by individual policy; you can request a quote on Amica’s website
  • Coverage area: All states except Alaska and Hawaii
  • Source: Amica customer service representatives via live chat and by calling (800) 242-6422

Farmers Insurance

  • Trampoline coverage: Trampolines may be covered under the personal liability and personal property sections of a homeowner’s policy. Additional trampoline coverage for trampolines is available under an umbrella policy.
  • Requirements: The trampoline must be in a fenced-in yard and have safety nets.
  • Cost: Varies by individual policy; you can request a quote on Farmers’ website
  • Coverage area: Nationwide
  • Source: Farmers Insurance representatives reached by calling (888) 327-6335

GEICO

  • Trampoline coverage: Trampoline coverage is sometimes available under a homeowner’s policy.
  • Requirements: The trampoline must be fully netted, the yard must be fully fenced/locked, and there can be no daycare on the premises in order to be considered for coverage.
  • Cost: Varies by individual policy; you can request a quote on GEICO’s website
  • Coverage area: Nationwide.
  • Source: GEICO representatives reached by calling (800) 207-7847

Liberty Mutual Insurance

  • Trampoline coverage: Liberty Mutual can include trampoline coverage under a homeowner’s policy.
  • Requirements: Vary by state; some states do not allow trampoline coverage, while other states allow it with or without certain safety requirements, such as a fenced-in yard and safety netting.
  • Cost: Varies by individual policy; you can request a quote on Liberty Mutual’s website
  • Coverage area: Nationwide, with restrictions on certain coverage in some states
  • Source: Liberty Mutual representatives reached by calling (800) 290-6320

MetLife

  • Trampoline coverage: Trampoline coverage may be available under a homeowner’s insurance policy as an add-on.
  • Requirements: Vary by individual policy and state
  • Cost: Varies by individual policy; you can request a quote on MetLife’s website
  • Coverage area: Nationwide
  • Source: MetLife representatives reached by calling (800) 638-5433

Nationwide Mutual Insurance Company

  • Trampoline coverage: Trampolines can be covered under a homeowner’s policy.
  • Requirements: The trampoline must be in a fenced-in yard with safety netting and trampoline anchors.
  • Cost: Varies by individual policy; you can request a quote on Nationwide’s website
  • Coverage area: Nationwide
  • Source: Nationwide representatives reached by calling (877) 669-6877

Progressive

  • Trampoline coverage: Trampolines may be covered under the personal liability section of a homeowner’s policy.
  • Requirements: None
  • Cost: Varies by individual policy; you can request a quote on Progressive’s website
  • Coverage area: All states except Florida
  • Source: Progressive representatives reached by calling (800) 776-4737

State Farm

  • Trampoline coverage: Trampolines may be covered under the personal liability section of a home owner’s policy.
  • Requirements: None
  • Cost: Varies by individual policy; you can request a quote on State Farm’s website
  • Coverage area: Nationwide
  • Source: State Farm representatives reached by calling (800) 782-8332

In Summary

There are many insurance companies that allow trampolines under a homeowner’s policy. Requirements for trampoline coverage may include fencing in your yard and installing safety netting. For general information on homeowner’s insurance, see our article listing the places to consider for homeowner’s insurance.

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