LIABILITY GUIDE
Does homeowners insurance cover a pool or trampoline? The HO-3 clauses, the fence rules and the limit math
Under the ISO HO-3 sample policy, a detached in-ground pool counts as an "other structure", insured up to 10 percent of the dwelling limit, and injuries to guests at the pool or on a trampoline fall under personal liability and medical payments to others. The form never names trampolines, and it excludes pool damage from freezing and ice. What usually decides a claim is what the insurer added by endorsement, and whether it was told the pool or trampoline was there.
Florida's Legislature put the stakes in statute when it wrote its residential pool safety law: it found that drowning is "the leading cause of death of young children" in the state, and that a safety feature designed to "deny, delay, or detect" unsupervised entry reduces drowning and near-drowning incidents. Insurers price and underwrite against the same risk. ISO data published by the Insurance Information Institute show about one homeowners policy in 1,100 having a liability claim each year, with bodily injury and property damage claims averaging $37,174 over 2019 to 2023. A pool or trampoline does not change the form you hold. It changes how likely the liability half of it is to be tested, and how large the test can be.
Disclaimer: Published averages and benchmark ranges, not a quote. This page is not insurance advice or legal advice. Your premium will differ based on your home, location, claims history, and insurer. Flood insurance is separate from a standard homeowners policy.
The pool as property: Coverage B and its 10 percent ceiling
The standard form most insurers start from is ISO's Homeowners 3 Special Form, edition HO 00 03 10 00, which the Insurance Information Institute publishes as a sample. It splits the property side into the dwelling (Coverage A), other structures (Coverage B), personal property (Coverage C) and loss of use (Coverage D). A swimming pool is not named in either structure coverage, so it lands wherever its construction puts it.
Coverage B covers "other structures on the 'residence premises' set apart from the dwelling by clear space," and it adds that this "includes structures connected to the dwelling by only a fence, utility line, or similar connection." A free-standing in-ground pool with a gap of lawn or patio between it and the house fits that wording. Coverage A, by contrast, covers the dwelling "including structures attached to the dwelling." A pool built into an attached deck or patio, or one that shares a wall with the house, may be treated as part of the dwelling. The sample does not settle the line, so ask your insurer which coverage it applies to your pool and get the answer in writing.
The ceiling is the part people miss. The sample says the Coverage B limit "will not be more than 10% of the limit of liability that applies to Coverage A," and that using it "does not reduce the Coverage A limit." Wisconsin's insurance regulator describes the same arrangement in its consumer guide: coverage for other structures "is usually 10% of the amount of coverage on your house." That one figure has to cover the pool, its fence, a detached garage, a shed and any other free-standing structure on the lot, all at once. The NAIC, the national association of state insurance regulators, says in its homeowners consumer guidance that "an in-ground pool or a detached garage with classic cars may require an additional coverage." Your declarations page shows the Coverage B figure your insurer actually printed, which may be higher if you bought more.
Above-ground pools and trampolines are a different case. Neither is likely to be "set apart" as a structure in the way a garage is, and a trampoline you can carry across the yard reads more naturally as personal property under Coverage C, which the sample defines as "personal property owned or used by an 'insured'." Personal property is insured only against the named perils listed for Coverage C, not against all risks. Among them are fire or lightning, windstorm or hail, explosion, vehicles, smoke, vandalism, theft and falling objects. A trampoline blown over and torn by a storm is a windstorm loss. A trampoline whose mat rots in the sun is wear, and not a peril at all. How your insurer classifies an above-ground pool, structure or contents, is another question to put to it directly.
Pool and trampoline losses, matched to the clause that decides them
The table maps common backyard losses to the HO-3 sample wording. It shows how the standard form reads, not how your policy will pay: insurer forms, newer editions and state amendments differ, and the exclusions in your own policy control.
| What happens | Clause in the HO-3 sample | How the sample reads |
|---|---|---|
| A tree falls in a windstorm and cracks the pool deck and coping | Coverage B, open perils for structures | Covered unless excluded; windstorm is not excluded for structures, so this is a Coverage B claim up to its limit |
| The pool shell cracks after a hard freeze | Section I perils, A.2.c.(2)(a) | Excluded: no coverage for loss caused by "freezing, thawing, pressure or weight of water or ice, whether driven by wind or not, to a ... swimming pool" |
| Groundwater pushes an emptied pool up out of the ground | Section I exclusion, Water, c. | Excluded: water below the surface of the ground, including water that "exerts pressure on or seeps or leaks through a ... swimming pool" |
| The pool walls collapse inward | Additional coverage, Collapse, c. | A swimming pool is listed among items whose collapse is not covered under the hidden-decay and similar causes "unless the loss is a direct result of the collapse of a building" |
| The pump or heater fails from age | Section I perils, A.2.c.(6) | Excluded: wear and tear, deterioration, and mechanical breakdown |
| A storm tears a trampoline mat and bends its frame | Coverage C, named peril Windstorm or Hail | Covered as personal property if the insurer treats the trampoline as contents; settled at actual cash value in the sample unless a replacement cost endorsement applies |
| A guest child is injured at the pool or on the trampoline | Coverage E and Coverage F | Personal liability defends and pays damages for which an insured is legally liable; medical payments pays necessary medical expenses up to its per-person limit |
| Your own child is hurt on the trampoline | Section II exclusions F.6 and Coverage F wording | Not covered by Coverage E or F; your health insurance is the payer |
Two of those rows are easy to misread. The freezing exclusion has nothing to do with whether you closed the pool properly; it applies to the pool itself regardless. And the groundwater row matters most when a pool is drained for repair, the moment a high water table pushes hardest on an empty shell. If your pool contractor plans to drain it, ask about groundwater before the water comes out, because the policy will not pay for a pool that floats. Our guide to settling, cracking and collapse coverage covers the same earth-movement and collapse wording as it applies to the house.
A storm night, priced against the 10 percent
Here is an invented loss to show how the Coverage B ceiling works. The dwelling limit is this site's launch basis of $300,000. The repair figures and the $1,000 deductible are hypothetical round numbers chosen for the illustration, not averages and not quotes.
| Input (hypothetical) | Amount |
|---|---|
| Coverage A, dwelling limit | $300,000 |
| Coverage B, other structures, at 10% | $30,000 |
| Section I deductible | $1,000 |
| Pool fence repair | $6,500 |
| Pool coping, deck and equipment pad repair | $19,000 |
| Detached shed rebuild (second version only) | $9,000 |
Version one: the tree hits the fence and pool deck only. $6,500 plus $19,000 is $25,500 of structure damage. The sample's deductible applies to "the total of all loss payable under Section I," so $25,500 less $1,000 is $24,500, which fits under the $30,000 Coverage B limit. The insurer pays $24,500 and the household pays the $1,000 deductible.
Version two: the same tree also crushes the shed. Now the structure damage is $25,500 plus $9,000, or $34,500. Less the $1,000 deductible, the payable loss is $33,500, but Coverage B stops at $30,000. The household carries $34,500 minus $30,000, which is $4,500, and the deductible is inside that figure. Nothing about the house itself was touched, and the Coverage A limit is untouched as the sample promises.
The same arithmetic works in advance. Add up a rough replacement figure for every free-standing structure on the lot: pool, fence, cabana, shed, detached garage, pergola. If one bad storm could plausibly damage more than your Coverage B figure, that gap is the first coverage question to raise at renewal. Our guide to sizing coverage explains how the dwelling figure itself is set, which also moves Coverage B when it is a percentage of A.
The person who gets hurt: Coverage E and Coverage F at the water's edge
The liability side is where a pool or trampoline earns its reputation. Section II of the sample has two coverages, and they work very differently.
Coverage E, personal liability. If a claim is made or a suit is brought against an insured "for damages because of 'bodily injury' or 'property damage' caused by an 'occurrence' to which this coverage applies," the insurer will "pay up to our limit of liability for the damages for which an 'insured' is legally liable" and "provide a defense at our expense by counsel of our choice, even if the suit is groundless, false or fraudulent." An occurrence is an accident. The insurer's duty to defend ends when the limit "has been exhausted by payment of a judgment or settlement." Wisconsin's regulator adds a point owners often do not know: unlike the property side, "liability insurance does not have a deductible."
Coverage F, medical payments to others. The insurer pays "the necessary medical expenses that are incurred or medically ascertained within three years from the date of an accident causing 'bodily injury'." Wisconsin's guide describes it as paying "if someone outside your family is injured at your home, regardless of fault." That no-fault quality is why it often settles small injuries before anyone talks about blame. But it has tight edges. It does not apply "to you or regular residents of your household," and on your property it applies only "to a person on the 'insured location' with the permission of an 'insured'."
Those edges sort pool and trampoline injuries into very different outcomes:
| Who is hurt | Coverage F, medical payments | Coverage E, personal liability |
|---|---|---|
| An invited guest's child at a pool party | Yes, up to the per-person limit, regardless of fault | Yes, if a claim says an insured is legally liable; the insurer defends |
| A neighbor's child who climbs the fence uninvited | No: not on the insured location with an insured's permission | Can apply if the child's family claims you are liable; state law decides liability |
| Your own child or a resident relative | No: regular residents are outside Coverage F | No: exclusion F.6 removes bodily injury to you and resident insureds |
| A student at paid swim lessons you run at home | No: the business exclusion E.2 applies to both coverages | No, for the same reason, with narrow exceptions |
| A guest renting your house, using the pool | Depends on the rental exception to E.2 and the insurer's rental rules | Same: occasional rental used only as a residence is an exception to the business exclusion in the sample |
The paid-lessons row comes from the sample's definition of business, which includes "any other activity engaged in for money or other compensation," with an exception for activities that paid no insured more than $2,000 in the 12 months before the policy period. Hourly pool rentals through an app, swim lessons and paid pool parties can all reach that definition. Our home business guide walks through the same definition for other kinds of work at home, and our short-term rental guide covers what changes when guests pay to stay.
Three more clauses round out the liability side. Exclusion E.1 removes injury "expected or intended" by an insured, with an exception for reasonable force to protect persons or property; horseplay that goes wrong is an accident, but a deliberate shove is a different claim. The sample's additional coverages pay claim expenses, including the cost of defense, "in addition to the limits of liability," so a long lawsuit does not eat into the damages limit while it is being defended. And the sample pays first aid expenses to others incurred by an insured for a covered bodily injury, which covers the ice pack and the bandage but not your own family.
Attractive nuisance, in brief and from a court
Whether a homeowner is liable to a trespassing child is a question of state law, not of the policy, and this site gives no legal advice on it. A short attributed explanation helps, though, because it is the reason a fence matters so much to underwriters.
In Bennett v. Stanley, decided June 13, 2001, the Supreme Court of Ohio considered a mother and her five-year-old son who drowned in a neighbor's unused, rain-filled swimming pool. The court adopted what it called the attractive nuisance doctrine as set out in the Restatement of the Law 2d, Torts, Section 339. Under the syllabus the court adopted, a possessor of land is subject to liability for physical harm to trespassing children caused by an artificial condition when five things are true: the possessor knows or has reason to know children are likely to trespass there; the condition involves an unreasonable risk of death or serious bodily harm to them; the children, because of their youth, do not discover the condition or realize the risk; the burden of eliminating the danger is slight compared with the risk to children; and the possessor fails to exercise reasonable care to eliminate the danger or otherwise protect them. The court also noted that at the time Ohio was "one of only three states" that had neither created a special duty for trespassing children nor dropped the old visitor categories.
That is one state's highest court, writing in 2001, and the rule in your state may be worded differently or applied differently. The practical link to insurance is simple. The fourth and fifth conditions turn on how hard it would have been to protect children and whether you did. A fence, a locked gate and a removed ladder are the kind of reasonable care a court looks at, and they are the same facts an underwriter asks about.
Fences, gates and covers: the barrier facts an insurer can check
Insurers decide for themselves what to ask about pools. What regulators do publish is the general rule and the safety specification behind the questions. Wisconsin's insurance regulator says applications for property insurance "often ask for personal information, such as the type of job you have, where you work, your leisure activities, and whether you have had recent claims." The NAIC says an in-ground pool may require additional coverage. And state pool safety laws set out, in official text, exactly what a compliant barrier looks like, which is what an inspector photographs or an application asks you to confirm.
Florida's Residential Swimming Pool Safety Act, chapter 515 of the Florida Statutes, is a clear example. It defines a swimming pool as any residential structure intended for swimming or recreational bathing that "contains water over 24 inches deep," including in-ground, aboveground and on-ground pools, hot tubs and nonportable spas, and it exempts small temporary "kiddie pools" without motors. To pass final inspection, a new residential pool must have at least one of five safety features. The table lists them with the barrier rules, and the question each one answers.
| Barrier fact | Official specification (Florida Statutes, ch. 515) | What to have ready for an application or inspection |
|---|---|---|
| Fence or barrier height | "At least 4 feet high on the outside" (s. 515.29(1)(a)) | The measured height, taken on the outside of the barrier |
| Gaps and climbability | No "gaps, openings, indentations, protrusions, or structural components" a young child could crawl under, squeeze through or climb over; no permanent structure or equipment placed so it can be used to climb the barrier (s. 515.29(1)(b), (5)) | Whether furniture, a pump housing or a planter sits next to the fence |
| Where the barrier stands | Around the perimeter of the pool, separate from a yard fence unless that fence is on the pool perimeter and meets the rules, and far enough from the water's edge that a child who gets through does not fall straight in (s. 515.29(1)(c), (d)) | Whether the pool has its own fence or relies on the property line fence |
| Gates | Open outward away from the pool, self-closing, with a self-latching locking device whose release is on the pool side and out of a young child's reach (s. 515.29(3)) | Whether every gate closes and latches by itself, and whether it is kept locked |
| House wall as part of the barrier | Allowed only if the wall has no door or window that opens to give access to the pool (s. 515.29(4)) | Which doors open onto the pool area |
| Above-ground pool | The pool structure may serve as the barrier, but any ladder or steps must be capable of being secured, locked or removed, or be surrounded by a compliant barrier (s. 515.29(2)) | Whether the ladder is removed or locked when the pool is not in use |
| Safety cover | An approved cover meeting ASTM standard F1346-91 (s. 515.25(1), s. 515.27(1)(b)) | The cover type and whether it is in place when the pool is unattended |
| Door and window alarms | Exit alarms on all doors and windows with direct pool access, rated at least 85 dB A at 10 feet (s. 515.27(1)(c)) | Whether alarms are installed and working |
| Self-closing doors | Self-closing, self-latching devices on doors with direct access, release "no lower than 54 inches above the floor" (s. 515.27(1)(d)) | Latch height on each door to the pool |
| Pool alarm | An in-water alarm independently certified to ASTM F2208; alarms worn by a child do not count (s. 515.27(1)(e)) | The alarm model and its certification |
Florida also lets a city or county adopt its own residential pool ordinance if it is "equal to or more stringent" than the state law (s. 515.37(4)), so a local building department may hold you to more than the state minimum. Other states and towns write their own codes. Use Florida's text as a well-defined reference point, then check your own local rule. If you are buying a house with a pool, the barrier is worth confirming before closing; our guide to insuring a house you are buying explains why the inspection period is the time to start getting quotes.
Diving boards and slides sit in a similar place. Nothing in the HO-3 sample treats them separately, and we found no regulator document listing them as an insurer question. If your insurer asks about them, answer accurately; either way, mention them when you report the pool, and if your insurer offers coverage only on condition that one is removed, get that condition in writing.
Trampolines: the form is silent, so the insurer's rules govern
The HO-3 sample does not contain the word trampoline. That cuts both ways. Nothing in the standard form excludes a trampoline injury, so on the sample's own terms a guest hurt on your trampoline is a Coverage E and Coverage F claim like a fall on the stairs. But the sample is a starting point that insurers modify. An insurer may attach an endorsement that limits or removes coverage for a named activity or piece of equipment, or set its own conditions for writing the home. Every endorsement attached to your policy is listed on the declarations page by its form number and title.
We did not find an official regulator or filed insurer document setting out trampoline safety conditions, so we do not list any here as if they were standard. The questions worth putting to your insurer, in writing, follow from the form itself:
- Does my policy carry any endorsement that excludes or limits bodily injury from a trampoline, and if so, what is its form number?
- Does coverage depend on a safety net enclosure, padding over the springs and frame, ground anchors, or a fence or lock around the yard?
- Is a trampoline personal property under Coverage C, or a structure under Coverage B, for a storm loss?
- Does any condition about the trampoline also apply to an umbrella policy above this one?
Two practical points follow from the clauses already quoted. First, a trampoline lifted by wind and thrown into a neighbor's fence or car is property damage to someone else. If the neighbor claims you are legally liable, Coverage E responds. The sample also has a small additional coverage for property of others, up to $1,000 per occurrence at replacement cost, but it applies to damage "caused by an 'insured'," and whether a wind-blown trampoline meets that wording is a question for the adjuster. Anchoring it is cheaper than finding out. Second, because Coverage F does not reach regular residents and Coverage E excludes injury to insureds, a trampoline's most frequent injuries, to the household's own children, are not homeowners insurance claims at all.
Is the liability limit enough? Arithmetic with stated inputs
The limit question is where a pool or trampoline changes the decision most. Here are the inputs, each with its source, and then a set of claims run against three common limits.
| Input | Figure | Source |
|---|---|---|
| Basic homeowners liability limit | "Usually $100,000 for each occurrence" | Wisconsin OCI, Consumer's Guide to Homeowners Insurance, PI-015 (R 07/2026) |
| Medical payments limit | "Generally $1,000 for each person" | Wisconsin OCI, PI-015 (R 07/2026) |
| Average bodily injury and property damage liability claim | $37,174, weighted average 2019 to 2023 | ISO data published by the Insurance Information Institute |
| Average medical payments and other claim | $11,886, weighted average 2019 to 2023 | Same |
| Share of policies with a liability claim each year | About 1 in 1,100 | Same |
| Umbrella underlying limit an insurer may require | "At least a certain amount, such as $200,000 to $300,000" | Wisconsin OCI, PI-015 (R 07/2026) |
Run the claims. The first uses the published average. The second and third are hypothetical judgments with invented amounts, chosen to show how a serious injury compares with the limits; they are not averages and not predictions.
| Claim against the household | Uncovered with $100,000 | Uncovered with $300,000 | Uncovered with $500,000 |
|---|---|---|---|
| Average bodily injury and property damage claim, $37,174 | $0 | $0 | $0 |
| Hypothetical: one child seriously injured at the pool, $425,000 judgment | $325,000 | $125,000 | $0 |
| Hypothetical: two guest children hurt in one trampoline collapse, $180,000 and $140,000, one occurrence | $220,000 | $20,000 | $0 |
The arithmetic behind each cell: $425,000 minus $100,000 is $325,000; minus $300,000 is $125,000; and $500,000 exceeds $425,000 by $75,000, leaving nothing uncovered. For the trampoline, $180,000 plus $140,000 is $320,000. Minus $100,000 leaves $220,000, minus $300,000 leaves $20,000, and $500,000 covers it with $180,000 to spare.
The trampoline row turns on one sentence in the sample's Section II conditions. The Coverage E limit is the most the insurer pays for all damages from "any one 'occurrence'," and "this limit is the same regardless of the number of 'insureds', claims made or persons injured." Two children hurt in one collapse share one limit. A pool party where several guests are injured in one incident works the same way. Medical payments is the opposite: its limit applies "to one person as the result of one accident," so three injured children with a $1,000 limit each could draw up to $3,000 between them. If one child's emergency room bill came to a hypothetical $2,800, medical payments would pay $1,000 of it, and the remaining $1,800 becomes a liability question.
Two figures put the average in context. A $100,000 limit is about 2.7 times the $37,174 average claim, which looks comfortable until the claim is a drowning or a spinal injury rather than an average one. And a 1-in-1,100 annual chance, held for 30 years, works out to roughly a 2.7 percent chance of at least one liability claim over that time, computed as 1 minus (1,099 divided by 1,100) raised to the 30th power. That frequency describes homeowners policies generally, and a household with a pool or trampoline and visiting children is not the general case.
An umbrella changes the third column into something much larger. With a $300,000 Coverage E limit and a $1 million umbrella above it, the $425,000 hypothetical judgment would be paid as $300,000 from the homeowners policy and $125,000 from the umbrella, leaving the household nothing to pay from savings, provided the umbrella does not exclude the activity. Wisconsin's guide notes that umbrellas are commonly sold in $1 million or $5 million amounts, and that the insurer may require underlying limits such as $200,000 to $300,000. If you own a pool and are below that underlying figure, the umbrella question and the Coverage E question arrive together. Our umbrella insurance guide works through the underlying requirements and the exclusions an umbrella inherits.
Telling the insurer, and what silence can cost
Installing a pool or buying a trampoline is the moment to write to your insurer, and the sample policy gives two reasons. The property conditions say the insurer provides "coverage to no 'insureds' under this policy if, whether before or after a loss, an 'insured' has ... intentionally concealed or misrepresented any material fact or circumstance." The liability conditions add that the insurer does "not provide coverage to an 'insured'" who has concealed or misrepresented a material fact, engaged in fraudulent conduct, or made false statements relating to the insurance. A pool you answered "no" about on an application is the kind of fact those clauses were written for.
The practical sequence at the moment of change is short:
- Send the insurer a written notice of the pool or trampoline, with the barrier details from the table above. Keep a copy with your policy.
- Ask whether the pool falls under Coverage A or Coverage B, and whether Coverage B needs to rise to cover the pool, fence and other structures together.
- Ask for the form number and title of any endorsement that applies to pools, diving boards, slides or trampolines, and read the actual wording.
- Ask what the Coverage E and Coverage F limits are now, and what the next limit up would cost. The NAIC says additional liability and medical payments coverage can be bought "for a nominal premium."
- If you carry an umbrella, send the same notice to the umbrella insurer, and confirm your Coverage E limit still meets its underlying requirement.
If the insurer declines to keep the risk, that is a decision about the account, not about you. Shopping on identical terms is the next step; our renewal shopping method explains how to compare offers line by line, and the state cost table shows published averages for ordinary policies on a $300,000 dwelling basis, which describe ordinary household policies rather than a home with a pool or trampoline.
Before the first swim of the season
The checks that matter most are the ones you can do on a weekend with the declarations page in hand. Write down the Coverage B figure and add up every free-standing structure it has to cover. Write down the Coverage E and F limits and set them beside the hypothetical claims above, not just the average. Walk the fence with a tape measure and look for the gaps, climbable objects and self-latching gates that Florida's law describes. Read the endorsement list for anything that names your pool or trampoline. Then put the whole picture in one written note to your insurer.
The claims that can exceed those limits involve a guest, not the pool itself. Our dog bite liability guide follows a guest injury claim from medical payments through personal liability to the umbrella, step by step, and the same path applies when the injury happens at the pool's edge instead of at the front door.
Dog bites and umbrella limits, the two other big liability questions, are in the liability section. All topics are on the guides index.
Pool and trampoline coverage questions
Does homeowners insurance cover an in-ground pool?
In the ISO HO-3 sample, a pool set apart from the house by clear space is an other structure under Coverage B, insured against risk of direct physical loss up to a limit of 10 percent of the Coverage A dwelling limit unless your declarations page shows otherwise. The form excludes damage to a swimming pool from freezing, thawing, or the pressure or weight of water or ice, and it excludes wear and tear and mechanical breakdown. A pool attached to the house may be treated as part of the dwelling instead; ask your insurer which coverage it uses.
Is a trampoline covered by homeowners insurance?
The HO-3 sample never mentions trampolines. A trampoline you own is personal property, which the sample insures only against named perils such as windstorm or hail, falling objects, and theft. Injuries to guests fall under personal liability and medical payments like any other accident on your property, unless your insurer has attached an endorsement that excludes or limits trampoline claims. Read the endorsement list on your declarations page, and ask the insurer directly.
Will my homeowners policy pay if a neighbor's child sneaks into my pool?
Medical payments to others in the HO-3 sample applies on the insured location only to a person there with the permission of an insured, so a trespassing child is outside it. Personal liability can still respond if a claim or suit says you are legally liable, and the insurer then provides a defense. Whether you are liable is a question of state law. Many states apply a special duty to trespassing children, often called the attractive nuisance doctrine; your attorney, not your insurer, can tell you how your state applies it.
Does my policy cover my own child hurt on our trampoline?
Not under the liability sections of the HO-3 sample. Personal liability excludes bodily injury to you and to resident relatives and other insureds, and medical payments to others does not apply to you or regular residents of your household. Your family's health insurance is where those bills go.
How much liability coverage should a pool owner carry?
No form or regulator sets a number for you. Wisconsin's insurance regulator says the basic homeowners liability limit is usually $100,000 per occurrence. ISO data published by the Insurance Information Institute put the average homeowners bodily injury and property damage liability claim at $37,174 over 2019 to 2023. Compare your limit, plus any umbrella, against a severe injury rather than the average, and remember that one occurrence shares one limit however many people are hurt.
Do I have to tell my insurer when I install a pool or buy a trampoline?
Check your policy and application, but plan on yes. The HO-3 sample removes coverage for an insured who intentionally conceals or misrepresents a material fact relating to the insurance, and Wisconsin's regulator notes that applications ask about leisure activities. The NAIC says an in-ground pool may require additional coverage. A written notice to the insurer, kept with your policy, settles the question before a claim does.
Sources and verification
Pool, fence and liability sources, all opened on October 30, 2026. HO-3 passages used, quoted or paraphrased (Coverage A and B, the 10 percent Coverage B limit, Coverage C covered property and named perils, the freezing and water exclusions, the collapse carve-out, wear and tear and mechanical breakdown, the deductible, the definitions of business, insured and occurrence, Coverage E and F, Section II exclusions E.1, E.2 and F.6, claim expenses, first aid, damage to property of others, the Limit of Liability condition, and both Concealment or Fraud conditions): Insurance Services Office, Homeowners 3 Special Form HO 00 03 10 00 (1999), sample published by the Insurance Information Institute, HO-3 sample policy. Liability claim frequency and average severity, ISO data, weighted average 2019 to 2023: Insurance Information Institute, Facts and statistics: homeowners and renters insurance. Basic liability limit, medical payments limit and its no-fault description, other structures at 10 percent, application questions on leisure activities, and umbrella amounts and underlying limits: Wisconsin Office of the Commissioner of Insurance, Consumer's Guide to Homeowners Insurance, PI-015 (R 07/2026). In-ground pool may require additional coverage, and additional liability and medical payments coverage for a nominal premium: National Association of Insurance Commissioners, Homeowners insurance consumer guidance. Legislative findings, definitions, the five safety features, barrier requirements and local ordinances: Florida Statutes, Residential Swimming Pool Safety Act, sections 515.23, 515.25, 515.27, 515.29 and 515.37, The Florida Legislature. Attractive nuisance doctrine and Restatement (Second) of Torts Section 339 as adopted: Supreme Court of Ohio, Bennett v. Stanley, 2001-Ohio-128, 92 Ohio St.3d 35. The repair figures, deductible, judgments and medical bill in the worked examples are labeled as hypothetical where they appear. They show how the limits interact; they are not averages or quotes, and every sum was rechecked. Every benchmark figure on this site comes from the state cost table and carries its own source, year, and verification date. See Methodology and the Disclaimer.