I don’t think the “height above ground” is the problem with trampolines. It’s how high you jump, and whether you land on something that is not the spring surface you started with.
I have a traditional trampoline (our many kids love it), but with a very big and strong net that surrounds the bouncing surface, inside of the holding springs. It is virtually impossible to land “wrong” on the trampoline.
When we were shopping, I did actually call our home insurance company and they stated very clearly that our insurance rates would not be impacted, provided that it was equipped with a net. That’s all they care about. Not how high above the grass it is.
