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Trampolines over the years have become a big hurdle for home insurance underwriters to approve coverage. Several insurance carriers will deem your home insurance an ineligible risk for even having one on your property. If they do accept the trampoline it comes with several stipulations and informational requests. Some request may be that it be in a fenced yard so neighbors do not have easy access to it. Some may be that the trampoline be staked to the ground and that it be incased with a net as well. So please keep this in mind when your little ones are looking to get that trampoline for their birthday or Christmas gift. That being said there is a new study out by Indiana University School of Medicine that may have you taking a second look at even purchasing the trampoline. In the study it references that approximately one million people visited hospital emergency rooms as a result of trampoline accidents (citing bruises, concussions, pain, and cuts) between 2002 and 2011. And of those people, roughly 288,876— many of them children — suffered broken bones. The Study sites that sixty percent of people broke their fingers, hands, forearms, and elbows and 36 percent broke legs and ankles. The rest of the injuries included broken bones involving the spine, ribs, and neck. A very important note is that the average age for extremity injuries was 9-years-old and the average age for the more serious traumas was 16.
To read more on trampoline injuries and this study please follow this link. At least this provides you an idea of why Insurance carriers are concerned to have them on your property.