Homeowners insurance rates are determined by many factors, including the type of home, its age and location. The presence of a trampoline may affect your homeowners insurance rate if your insurer considers it to be an attractive nuisance. An attractive nuisance is something on your property that could attract children or adults and lead to them being injured. If you have a trampoline on your property, be sure to check with your homeowners insurance company to see if it will affect your rates.