Will A Treehouse Raise My Homeowners Insurance?

WRITTEN BY: Mark Romero


What is a treehouse? A treehouse is built in or near a tree on an elevated platform. Treehouses are often playing structures for children. Many home insurance companies will charge more for coverage if your home has features that may cause liability issues, such as swimming pools and trampolines. Your home insurance policy premiums may be higher if you have a treehouse.

Why is a treehouse a concern for insurance costs?

A treehouse is typically considered an attractive feature for many people. People can enjoy it, and children can play in the yard with it providing additional space. But you need to be aware of issues with having a treehouse on your property if you’re planning on buying or renting any property where one already exists.

Homeowners insurance companies frown upon treehouses for several reasons.

Liability insurance

Treehouses are a place where kids like to hang out and have fun. They have friends, neighbors, and maybe any other kid who wants to have fun. If someone falls from the treehouse and gets hurt, you’re liable for the medical bills. Emergency departments treat nearly 2800 children for tree house-related injuries annually.

Next door neighbors

You may be held responsible if a storm or poor construction leads to the treehouse damaging your neighbor’s home. In addition, you may violate privacy regulations if you can see into a neighbor’s house via the treehouse.

Public utilities

Trees and electricity don’t mix. While they may be the ultimate childhood dream, treehouses can pose a significant safety hazard to children playing inside. A treehouse built too high may run into telephone or power lines. This can obstruct public utility employees’ work and put anyone in the treehouse at increased risk for injury.

Insurance policy exclusions: Understanding coverage limitations for treehouses

insurance policy exclusions: understanding coverage limitations for treehouses

When considering the insurance implications of owning a treehouse, it is crucial to be aware of any exclusions within homeowners insurance policies. These exclusions outline specific situations or types of damage where coverage for treehouses may be limited or entirely excluded.

By understanding these exclusions, homeowners can make informed decisions regarding their insurance coverage and take necessary steps to protect themselves financially. Here are some key areas to consider.

Property damage exclusions

Many homeowners insurance policies may have exclusions regarding property damage caused by treehouses. Your insurance policy may not cover the associated repair costs if your treehouse damages your property or structures, such as fences, sheds, or other outbuildings.

Exclusions for personal injury

While homeowners insurance typically covers personal liability claims, there may be exclusions related to injuries in or around the treehouse. Suppose someone gets injured while using the treehouse, such as falling or being struck by a falling object. In that case, your policy might have limitations on covering medical expenses or legal liability for such incidents.

Treehouse use restrictions

Insurance policies may also include exclusions if the treehouse is for commercial purposes or rented out to others. Suppose you intend to use your treehouse for business activities like Airbnb rentals or hosting events. In that case, you must check with your insurance provider to determine if you need additional coverage or a separate policy.

Negligence or poor maintenance

Some insurance policies may exclude coverage if the insurer determines that negligence or inadequate maintenance contributed to an accident or damage. It is important to regularly inspect and maintain your treehouse to ensure it remains structurally sound and minimize the risk of accidents.

Specific natural disasters

Homeowners insurance policies typically cover damage caused by natural disasters, such as fire, windstorms, or lightning strikes. However, policies may have exclusions for specific events like earthquakes or floods. Reviewing your policy to understand the extent of coverage for your treehouse in the event of natural disasters is crucial.

To fully understand the exclusions and limitations of treehouses, consult with your insurance agent or provider directly. They can provide specific details about the coverage available under your policy and advise you on any additional endorsements or riders that may be necessary to protect your treehouse adequately.

Alternative insurance options for treehouses: Tailored coverage for added protection

When insuring your treehouse, exploring alternative insurance options specifically designed for treehouses can provide the tailored coverage you need. These options can offer comprehensive protection against the unique risks associated with treehouses.

Consider the following alternatives to ensure you have adequate coverage:

Specialized insurance companies

Some insurance companies specialize in providing coverage specifically for treehouses. These companies understand the unique considerations and risks associated with treehouses and offer tailored policies. Research and contact these specialized insurers to explore coverage options that suit your needs.

Endorsements or riders to homeowners insurance policies

Instead of seeking a separate policy, you can inquire with your current homeowners insurance provider about adding endorsements or riders to your existing policy. These additional policy features can expand the coverage to include your treehouse and related liabilities. Consult with your insurance agent to understand the specific endorsements or riders available for your treehouse.

Liability umbrella insurance

Liability umbrella insurance provides an extra layer of liability coverage that extends beyond the limits of your standard homeowners insurance policy. It can be a valuable option to enhance your coverage for treehouse-related risks. Umbrella insurance typically offers higher coverage limits and can protect you in the event of significant liability claims arising from treehouse accidents or injuries.

Specialty recreation insurance

Specialty recreation insurance may be worth considering if your treehouse is for recreational purposes or rented out to guests, such as through vacation rental platforms. These policies cover the unique risks occurring with recreational properties and activities, including treehouses. They can cover property damage, liability claims, and lost rental income.

How to build a safe treehouse

A treehouse is a great place for kids to play and have fun, but it can be dangerous if not built safely. Many safety concerns when building a treehouse must be addressed to ensure the safety of the children and those visiting.

Choose a strong, sturdy tree

Planning a tree house can be very exciting for children, but selecting a healthy tree that will withstand the extra weight and pressure is also essential. Consulting an arborist is a good idea if you still need to determine which trees are best.

Build low

Falls from lower heights are usually less severe than those in the air. Nationwide Children’s Hospital states that anything over 10 feet is too high.

Work with a professional

Treehouses are a fun project for children and adults alike- but they can be dangerous. Working with an experienced treehouse builder with experience constructing treehouses is essential. With the help of a builder, you can design and create your own tree house. The final product will be structurally sound; if there are any problems, the builder can spot them.

How to use a treehouse safely

how to use a treehouse safely

Treehouses are a great way to escape the everyday hustle and bustle. They provide an escape from the real world and a way to live in your own fairy tale.

Before you jump on board, there are some essential things to consider about treehouses that you might have yet to think about.

Safety features

The first thing is safety. And it’s not just for kids! Treehouses can be dangerous if built in unsafe areas or not correctly constructed. You should ensure your treehouse has railings and a solid floor firmly anchored to the tree trunk.

Inspect regularly

Next, you will want to inspect the tree for any hazards, such as dead branches that might snap off and fall on you or any loose bolts or screws in the platform. If there are any hazards, you should remove them before climbing up into the treehouse. It’s also important to remember that the tree is a living thing and will grow, which can cause the tree house to move or bend.

Limit access

Consider installing barriers or an alarm system if you don’t want kids playing in the treehouse without supervision. You should speak with them about when it’s inappropriate to play in there and what danger they could be putting themselves in if they play around the treehouse during nighttime hours.

Liability Insurance: Protecting Against Treehouse-Related Injuries

Regarding owning a treehouse, liability insurance is a crucial consideration. Treehouses are beloved play areas for children, but accidents can happen, leading to injuries and potential liability for homeowners. In fact, emergency departments treat nearly 2800 children for treehouse-related injuries annually, highlighting the importance of having proper liability coverage in place.

Liability insurance helps safeguard homeowners by providing financial protection in case of injuries or property damage caused by treehouse activities. By having liability coverage, homeowners can mitigate the potential financial burden of medical expenses, legal claims, and other liability-related costs, ensuring peace of mind for themselves and their neighbors.

Liability Insurance: Getting Home Insurance With a Treehouse

Regarding insuring a property with a treehouse, liability insurance is an essential component to consider. Before obtaining coverage, it’s important to understand the costs of building a treehouse. Depending on factors such as the size and location of the tree, constructing a treehouse can range in cost from $2,000 to $25,000, with the national average cost being $7,350.

These costs include materials, labor, and any additional features or customization. It’s crucial to factor in these expenses when assessing the coverage limits needed for your homeowners insurance policy. By accurately estimating the value of your treehouse, you can ensure that you have adequate liability coverage to protect against potential risks and liabilities associated with your treehouse.


What insurance can minimize the risk of having a tree house?

A homeowners insurance policy typically covers trampolines and treehouses under various components such as dwelling coverage, personal liability coverage, medical payments, or personal property coverage. This means that potential damages, liability risks, medical expenses, and property losses related to trampolines and treehouses can reside within the scope of coverage the policy offers.

Does a treehouse add value to a home?

A well-maintained tree house can add value to your property. A treehouse is a structure built on the ground or a platform that uses support from one or more trees. They also provide privacy for homeowners and can be a playroom for kids.

What are the benefits of living in a treehouse?

The first benefit is living an eco-friendly lifestyle; treehouses can be made from salvaged or recycled materials. You can also fit your treehouse with solar panels or other forms of renewable energy. Another benefit is privacy; the height of the trees and branches can give you some extra privacy from your neighbors.

Can you put a wood stove in a treehouse?

Opting for steel woodburning stoves is a prudent choice for larger treehouses. These stoves minimize the risk of sparks escaping, reducing potential fire hazards. Additionally, their design keeps the stove safely distanced from the walls, mitigating the risk of overheating wooden components.

Does building a treehouse hurt the tree?

A poorly designed treehouse can cause damage to a healthy tree. However, there are things you can do to minimize the damage as much as possible. Avoid using screws or nails directly into the tree, as the holes can allow bacteria to grow inside the tree. Instead, you can use U-bolts or straps to connect the structure to the tree. You should avoid altering the tree’s balance by constructing the treehouse close to the trunk and not on the branches.

Does homeowners insurance cover tree houses?

Whether your homeowners insurance policy will cover your treehouse depends on your policy. Some insurance companies will cover tree houses with no exclusions, and others will require you to install some safety features before they insure the treehouse. To build a treehouse, you need to speak with your insurance agent to determine your coverage limits. Otherwise, you risk the insurance company denying your policy renewal in the future.

Does living in a treehouse increase your homeowners insurance?

Treehouses are attractive nuisances that will likely increase your insurance premiums. This is because of the added risk that you will make a claim. You may need to increase your insurance coverage to protect your treehouse. Some additions to your policy should include the following:

  • Structure
  • Medical payment
  • Liability coverage

Additional liability coverage will help to cover any costs in the event of a treehouse-related injury. Consider opting for umbrella insurance if your standard homeowners insurance is not enough to protect you fully.

How much does a treehouse cost?

A treehouse is a structure that’s built within a tree. Depending on the tree’s size and location, A tree house can cost anywhere from $2,000 to $25,000. The national average cost to build a treehouse is $7,350. Wood and other times with metals and plastic materials are used to build tree houses. Builders use these materials typically because they are lighter and easier to transport.

Getting home insurance with a treehouse

Homeowners insurance is a type of insurance policy that protects property owners from financial loss due to damage or destruction of their homes.

A treehouse is a structure built in the trees that can be double as a play area or as living quarters.

In some cases, homeowners insurance may cover damages to your treehouse. However, it will depend on the type of treehouse you have and your coverage with your homeowners insurance provider. You should contact your insurer to find out what they cover and what they don’t cover.

Fill out our online request form to compare homeowners insurance quotes. You can see which companies have the best rates and speak to a licensed home insurance specialist to ensure you purchase the coverage you need!

Related content: