Insurance

[Chad]

Are hot tubs covered under home owner's insurance? If not, do you think it's neccessary to get coverage for it? What do you guys do?

Thanks,

Chad

[Renee]

Are hot tubs covered under home owner's insurance? If not, do you think it's neccessary to get coverage for it? What do you guys do?

Thanks,

Chad

Yep...they sure are.  I just called and checked with my insurance agent the other day.  They are covered under the "other structures" section of our homeowner's policy.  Make sure you have enough coverage (dollar-wise) to cover your hot tub, and any other structures, such as an outside shed.  I verified that it would be covered in the event of tornadoes, fire, or even vandalism.  Didn't really want to sink $8,000-$9,000 into a tub that wasn't covered!

[Chad]

Yep...they sure are.  I just called and checked with my insurance agent the other day.  They are covered under the "other structures" section of our homeowner's policy.  Make sure you have enough coverage (dollar-wise) to cover your hot tub, and any other structures, such as an outside shed.  I verified that it would be covered in the event of tornadoes, fire, or even vandalism.  Didn't really want to sink $8,000-$9,000 into a tub that wasn't covered!

Thank you very much. I'll give him a call tommorrow to see how much coverage I have.

[tony]

You may want ask if it should be "listed".  My agent owns a hottub so we're always talkin' tubs.

[Gary]

Different insurance companies will have different rules, but for the most part if the spa is hard wired to the house it is considered part of the structure so it would be covered. For the 120-volt plug in models most of the time they are not covered.

[Brewman]

If you're worried about it, read your policy.  That document is what is enforcable, regardless of anything spoken.  Any grey areas usually are settled in favor of the insured, since it's the insurance companies responsibility to create the policy language.

[Ruby]

I have American Family Ins.  Mine has liabilty coverage and is covered if there is storm damage.  Freezing during the winter IS NOT covered unless I add that to the policy.  It costs 120.00/ year for freeze damage.  I opted not to add it.

[caribbeansun]

Be aware that it may increase the costs of your liability coverage ie. slip and fall, accidental death, etc.

[Richs100]

My homeowners policy covered the replacement of my old Prodigy (with a new Envoy) when it was hit by a tree limb.  It was covered by the "other structures" provisions of my policy which has max coverage of 10% of the house value.  

BTW, the Prodigy was a 110 volt plug-in tub.  Not a problem.

But be advised that policies and coverages are usually regulated by the Insurance Commission in each state and can vary from
State to State.  Here in the "People's Republic of Maryland", we generally have good protections for the homeowner.