Are Your Backyard Toys Insured? What You Need to Know About Trampolines, Pools, and More

As temperatures rise and Arizona families spend more time outdoors, backyards become the heart of summer fun. Pools, trampolines, and swing sets might be crowd favorites, but they also come with a side of liability most homeowners never consider, until it’s too late.

 ​At VIP Insurance Professionals, we believe fun should come with peace of mind. Let’s break down how these popular “backyard toys” affect your insurance and what you can do to make sure your coverage is ready.

1. Trampolines: Fun or Coverage Killer?

Trampolines are considered “attractive nuisances” in the insurance world. They’re irresistible to kids and a major liability risk to insurers.

Depending on your carrier:
• Some won’t cover you at all if you own a trampoline.
• Others may offer coverage only if it’s enclosed with a safety net and properly anchored.
• Many require additional liability coverage to be added to your homeowners policy.

Pro Tip: Always let your insurance agent know if you own or plan to install a trampoline. Failing to disclose it could result in denied claims or even policy cancellation.

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2. Pools: Priceless Memories, Pricier Liability

Pools can add value to your home and serious risk. Drownings and slip-and-fall accidents are some of the most expensive claims in homeowner history.

Insurance companies usually require:
• Self-closing gates and secure fencing
• Pool alarms or safety covers
• Higher liability limits to protect you from major claims

Some carriers may suggest or require an umbrella policy to provide additional coverage beyond your standard limits.

Bonus Tip: If you’re adding a pool to your home this summer, talk to your agent before construction starts to make sure your new investment is properly insured.

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3. Swing Sets, Zip Lines, and Other Play Equipment

From tree swings to elaborate jungle gyms, backyard play structures bring the neighborhood together—but they also invite risks:
• Improper installation or deteriorating materials can lead to injury.
• If someone else’s child is injured on your property, you could be liable even if they weren’t invited.

Standard homeowners insurance typically includes some liability coverage, but that might not be enough in serious injury cases. A simple liability review can help ensure you’re not left exposed.

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4. What About Inflatable Water Slides or Bounce Houses?

Temporary party rentals are often overlooked. If an inflatable isn’t secured properly or someone gets hurt, your homeowners policy might not cover it—especially if it’s considered a business or commercial rental.

Check before you book or consider requiring a certificate of liability insurance from the vendor.

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5. Take Action Before Summer Starts

Before the next cannonball or cartwheel:
• Review your liability limits
• Ask about exclusions for specific equipment
• Consider an umbrella policy for added peace of mind

You’ve worked hard to make your backyard a fun, safe space. Let’s make sure your insurance is working just as hard to protect it.