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Young child jumping on trampoline outdoors in summer — a potential liability risk for homeowners.

Swing Sets, Trampolines & Liability: What Homeowners Need to Know

Backyard fun can quickly turn into legal and financial headaches if you’re not prepared. Swing sets and trampolines are great ways to keep kids active, but when other children come over to play—or worse, use them while you’re not even home—your liability as a homeowner comes into play. At Sablich Insurance Group, we want you to understand the risks and how to protect yourself.

1. The Backyard Attraction That Comes With Risk

Trampolines and swing sets are considered “attractive nuisances”—features that are appealing to children but also potentially dangerous. Even if a child is on your property without permission, you could still be held liable for injuries sustained on your equipment.

2. When Other Kids Come Over to Play

If you invite the neighborhood kids over or your children have friends over regularly, you’re opening yourself up to increased liability. Should one of those children fall, break a bone, or worse, you may be financially responsible—especially if they allege improper supervision or a lack of safety measures.

3. When You're Not Even Home

Yes, you’re still potentially liable. If a child trespasses and gets hurt on your trampoline or swing set, you could be named in a lawsuit. Homeowners insurance typically covers liability, but not always—and coverage for trampolines may even be excluded or require specific safety measures (like locked gates or enclosures).

4. How to Protect Yourself

  • Check your homeowners policy: Some insurers exclude trampolines altogether; others require specific safety precautions.
  • Install Safeguards: Secure fencing, locked gates, trampoline enclosures, and soft ground surfaces can reduce risk.
  • Supervise usage: Never allow children to use equipment without adult supervision.
  • Consider an umbrella policy: For additional liability protection beyond your homeowners policy limits.

Don’t let a fun backyard become a costly liability. Make sure your insurance coverage matches the risks on your property. Need help reviewing your current policy or exploring umbrella coverage? Contact us today—and raise your expectations for what an insurance partner should be.

Sablich Insurance Group is licensed in Pennsylvania and New Jersey.
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