It gets worse - if you make an unrelated insurance claim while owning an undisclosed trampoline then insurance company can deny your claim due to having the trampoline even if the claim has nothing to do with the trampoline.
Not sure how common that is, but it's definitely a possibility. My cousin is an insurance adjuster and he said he denies claims for misrepresentation all the time.
So all you trampoline owners I hope you're renters or have disclosed your trampoline to your homeowners insurance.
This is the weirdest combination of words I have seen this week. If I own a trampoline, why would my insurance company care? And if they care, why doesn't the market fix this, parents with trampolines would certainly choose other companies.
They care because trampolines have a very high rate of injury. If you throw a birthday party at your house and one of your neighbors kids breaks their arm or worse, neighbor might decide to sue you. That then puts your insurance company on the hook. Even if your policy forbids trampolines you can often plausibly argue you weren't aware, and they end up having to pay out. Insurance companies refuse to cover things all the time and trampolines are apparently a big problem for them (just talked to our insurance broker a few weeks ago about this as my family is pushing to get one and I'm having to push back.)
Not sure how common that is, but it's definitely a possibility. My cousin is an insurance adjuster and he said he denies claims for misrepresentation all the time.
So all you trampoline owners I hope you're renters or have disclosed your trampoline to your homeowners insurance.