Reviewed and approved by Samuel Corso, licensed Texas insurance agent.

Published September 14, 2026 · Updated October 1, 2026

Does a trampoline affect your home insurance in Texas?

This guide covers what the Texas Department of Insurance (TDI) says about telling your insurance company about a trampoline, the coverages TDI describes for injuries to other people, what its guide says about cancellation and underwriting, umbrella coverage, wind, and the trampoline itself.

The short version. On home insurance in Texas, the Texas Department of Insurance says in its homeowners insurance FAQ that it's important to tell your insurance company if you have a high risk, like a swimming pool, trampoline, or an aggressive dog. TDI's Home insurance guide says each company's underwriting rules are different, and it does not say how any company treats a trampoline.

What TDI actually says about trampolines

TDI names trampolines in its answer about injuries at a home. Asked whether a home policy will pay doctor bills if someone is hurt in your house, TDI's homeowners insurance FAQ answers yes, describes liability coverage, and then adds: "But it's important to tell your insurance company if you rent through a home sharing service or if you have a high risk, like a swimming pool, trampoline, or an aggressive dog."

That answer is about home insurance in general, and the trampoline appears in it as one example of a high risk alongside a swimming pool and an aggressive dog. The FAQ does not say what a company will do once it knows about a trampoline. It says telling the company is important.

TDI names trampolines on a second page as well. Its tip sheet Umbrella policy: What is it and when do you need one? gives examples of situations that could fall under an umbrella policy, and one of them reads: "A child is hurt in your yard, pool, or trampoline."

Both mentions sit in passages about liability. The questions for your own policy are whether your company knows about it and what your liability limit is.

Personal liability coverage and a trampoline injury

Personal liability coverage is the part of a home policy that TDI describes for injuries to other people. TDI's Home insurance guide lists it among six coverages that it says most home policies in Texas include, and says personal liability coverage "pays medical bills, lost wages, and other costs for people that you're legally responsible for injuring." The same entry in the guide adds that it also pays if you're responsible for damaging someone else's property, and pays your court costs if you're sued because of an accident.

TDI's homeowners insurance FAQ describes liability coverage in similar terms. It says the coverage "pays if someone from outside your household is hurt." It adds that the coverage also pays for legal fees if the person sues you.

The amount is limited. According to the same guide, home policies provide liability protection but the amount of coverage is limited, and that each type of coverage has a dollar limit. The guide describes the declarations page as the first page of your policy, with a summary of your coverages, dollar limits, and deductibles.

For a trampoline owner, the practical point is that the liability limit on the declarations page is the figure to know. Our guides on how home insurance works in Texas and what personal property coverage covers on Texas home insurance go through the six coverages TDI lists.

Medical payments coverage

Medical payments coverage is a second home insurance coverage that TDI describes for injuries to other people. The Home insurance guide lists it among the six coverages that it says most home policies in Texas include, and says medical payments coverage "pays the medical bills of people hurt on your property." The guide adds that it also pays for some injuries that happen away from your home.

The two descriptions in TDI's guide are worded differently. The personal liability entry refers to people you're legally responsible for injuring, and the medical payments entry refers to people hurt on your property. How each would apply to an injury on a trampoline depends on your policy. The guide says each type of coverage has a dollar limit, and that the declarations page summarizes your coverages and dollar limits.

What TDI says about a risk you didn't tell your company about

TDI's general home insurance guidance on cancellation includes two reasons that relate to risk. Neither one mentions trampolines, and the guide does not say whether a company would treat a trampoline as either of them.

The first applies early in a policy. Under the Home insurance guide, a company may cancel your policy in the first 60 days if: "It learns about a risk you didn't tell it about and that wasn't part of a previous claim."

The second can apply at any point. The same guide says an insurance company may cancel your policy anytime if: "There's an increase in risk within your control that would raise your premium."

On notice, the guide says a company must give you 10 days' notice before it cancels your policy.

Separately, TDI's FAQ calls it important to tell your company about a high risk. A step you can take is to tell your agent or company about a trampoline before it goes up, or as soon as you can if it is already in the yard. Our guide on home insurance inspections in Texas covers how inspections fit into a home policy.

Will a trampoline raise the premium or get you turned down?

TDI does not say whether a trampoline changes a Texas home insurance premium or a company's decision to insure you. Writing about home insurance in general, its Home insurance guide says insurance companies use a process called underwriting to decide whether to sell you a policy and how much to charge you, and that each company's underwriting rules are different. In the guide's words, this means one company might be willing to sell you a policy even if another company isn't, and different companies charge different rates.

TDI's guide also lists things it says most companies consider when deciding on your premium, including your home's age and condition, its replacement cost, construction materials, where you live, the availability of local fire protection, your claims history and your credit score. That list does not mention trampolines.

The way to find out how your own company treats a trampoline is to ask it. In its answer on reducing a premium, the homeowners insurance FAQ suggests asking several companies for rates while making sure you get the coverages you need. Our guides on how to choose home insurance in Texas and how home insurance quotes work in Texas cover how a comparison works.

Your own children versus the neighbor's

TDI's FAQ description of home liability coverage is about people outside your household. The homeowners insurance FAQ says liability coverage pays if someone from outside your household is hurt, and its Home insurance guide describes personal liability coverage as paying costs for people that you're legally responsible for injuring.

Neither page describes how a home policy treats an injury to a member of your own household. That is a question for your policy wording or your agent.

So the liability coverage TDI's FAQ describes is for people outside your household. A neighbor's child is Credify's illustration of that, not TDI's. The guide also says policies pay only up to their dollar limits.

Umbrella coverage above the home policy's liability limit

TDI describes an umbrella policy as separate liability coverage that pays after a home or auto policy stops paying. In the Home insurance guide, TDI says that if you want more liability coverage than your home policy provides, you can buy a separate umbrella liability policy.

TDI's tip sheet Umbrella policy: What is it and when do you need one? says umbrella policies can protect your assets by paying large medical and repair bills that a court or your insurance company says you're responsible for paying. On the amount, it says: "Umbrella policy coverage usually starts around $300,000 and pays up to at least $1 million."

The same page says an umbrella policy might pay for medical bills, property damage, certain lawsuits, and uninsured or underinsured auto claims. It gives the example of being sued for medical bills after someone is hurt in your home, where the umbrella policy would kick in after your home insurance stops paying, and it says umbrella policies cover everyone in your household.

A child hurt on a trampoline is one of TDI's own examples of a situation that could fall under an umbrella policy. To get one, TDI's page says to ask your agent or insurance company for a quote. Our guide on what umbrella insurance covers in Texas goes through it in more detail. Does home insurance cover a swimming pool in Texas and does home insurance cover dog bites in Texas cover the other two high risks TDI names with trampolines.

Wind and trampolines in TDI's storm guidance

TDI names trampolines in its hurricane season guidance as something the wind can pick up. In its tip on getting your yard ready, TDI's tip sheet Hurricane season: How to prepare your home and property says: "Check for items that can become windborne, such as yard furniture or trampolines, and tie them down or bring them inside."

That page is written for hurricane season, and it is about preparing a home and property before a storm.

The same TDI page also suggests making a home inventory with pictures or videos of each room, and adding your agent and insurance company to your phone contacts. Our guide on how to file a hail or storm damage claim in Texas covers what happens after a storm.

Is the trampoline itself covered?

Whether a home policy in Texas covers damage to the trampoline itself depends on your policy and on what damaged it. The Home insurance guide has a table of common risks that it says most policies do and don't cover. The risks it lists as covered by most policies include fire and lightning, explosion, theft, and windstorm, hurricane, and hail (but not if you live on the Gulf Coast). The guide says coverages vary by company, and tells readers to read the policy or talk to an agent to be sure of their exact coverages.

Which coverage, if any, applies to a trampoline is a question for your agent or company.

A deductible applies to a claim. The guide defines a deductible as the amount of a claim that you must pay yourself, and gives its own example: on a $1,000 claim under a policy with a $300 deductible, the insurance company deducts $300 and pays $700. The guide adds that you might have different deductibles for each type of coverage. Our guide on what deductible you should have on Texas home insurance explains how deductibles work.

What to do with this

If you have a trampoline or plan to buy one, these are steps you can take with your Texas home insurance. They are Credify's suggestions, and the facts inside them come from the TDI pages linked above.

• Tell your agent or company. TDI's homeowners insurance FAQ calls it important to tell your insurance company if you have a high risk, and it names a trampoline as an example.
• Look up your personal liability limit. The declarations page, per the Home insurance guide, summarizes your coverages, dollar limits, and deductibles.
• Check your medical payments limit. TDI's guide lists it as a separate coverage and says each type of coverage has a dollar limit.
• Ask about an umbrella policy. If you want more liability coverage than your home policy provides, TDI's umbrella page says to ask your agent or insurance company for a quote.
• Secure the trampoline before a storm. TDI's hurricane season page says to tie down items that can become windborne, or bring them inside.
• Ask questions about your own policy. You can read the policy, ask your agent, or call TDI at 800-252-3439, the number TDI gives on its Home insurance guide page for questions.

Key facts

• TDI's homeowners insurance FAQ says it's important to tell your insurance company if you have a high risk, and gives a swimming pool, a trampoline and an aggressive dog as examples.
• The same TDI FAQ says a home policy's liability coverage pays if someone from outside your household is hurt, and also pays for legal fees if the person sues you.
• TDI's Home insurance guide lists personal liability coverage and medical payments coverage among six coverages that it says most home policies in Texas include, and says the amount of liability coverage is limited.
• A company may cancel a policy in the first 60 days if it learns about a risk you didn't tell it about and that wasn't part of a previous claim, and may cancel anytime if there's an increase in risk within your control that would raise your premium, according to TDI's Home insurance guide. The guide says a company must give 10 days' notice before it cancels.
• Each company's underwriting rules are different, the Home insurance guide says of home insurance in general, so one company might be willing to sell you a policy even if another isn't, and different companies charge different rates.
• TDI's tip sheet Umbrella policy: What is it and when do you need one? says umbrella coverage usually starts around $300,000 and pays up to at least $1 million, and lists a child hurt in your yard, pool, or trampoline among examples of situations that could fall under an umbrella policy.
• TDI's hurricane season page, Hurricane season: How to prepare your home and property, says to check for items that can become windborne, such as yard furniture or trampolines, and tie them down or bring them inside.

Sources: Texas Department of Insurance, FAQ: Homeowners insurance, claims, saving money, and more, Home insurance guide, Umbrella policy: What is it and when do you need one?, and Hurricane season: How to prepare your home and property. This page is general information, not legal advice.

Take the next step

Before you compare policies, find the personal liability and medical payments limits on your declarations page, and make sure your insurance company knows about the trampoline.

Get a second opinion on your policy — free. Credify is a licensed insurance agency in Texas that helps you compare home insurance from roughly 20 licensed Texas carriers, so you can see whether your liability coverage fits your needs. It takes a few minutes, and there's no obligation. 📞 Talk to Credify 24/7.

Credify is a licensed insurance agency in Texas. License TX #3309669 · NPN 21516523.

We compare quotes from multiple licensed Texas carriers; each insurer has sole responsibility for its products.

Coverage varies by insurer. Please review policy documents for complete details.