Sign up
|
Log in
Hot Tub Forum
It's HOT...
Welcome,
Guest
. Please
login
or
register
.
Did you miss your
activation email
?
1 Hour
1 Day
1 Week
1 Month
Forever
Login with username, password and session length
News:
Welcome to our forum.
Home
Help
Search
Login
Register
Hot Tub Forum
»
Original
»
Hot Tub Forum
»
insurance: homeowner/personal property?
« previous
next »
Print
Pages: [
1
]
Author
Topic: insurance: homeowner/personal property? (Read 3228 times)
gw
Junior Member
Posts: 15
sundance cameo owner
insurance: homeowner/personal property?
«
on:
April 03, 2006, 09:01:18 pm »
any experience with either type of policy on a tub?
is it needed/recommended?
thanks.
Logged
Hot Tub Forum
insurance: homeowner/personal property?
«
on:
April 03, 2006, 09:01:18 pm »
wmccall
Global Moderator
Mentor Level Member
Posts: 7431
Re: insurance: homeowner/personal property?
«
Reply #1 on:
April 03, 2006, 09:51:17 pm »
Good question, I'm going to ask my agent soon. I just paid off my mortgage and will be shopping for a new home owners policy. I'll see what they have to say.
Logged
Member since 2003. Owner Dynasty Excalibur 2003-2012. Sundance Majesta from 2012-current
blizzard
Full Member
Posts: 123
Always gettin in to HOT water
Re: insurance: homeowner/personal property?
«
Reply #2 on:
April 04, 2006, 12:43:04 am »
I talked to my agent and he didn't seem overly concerned about it. Of course I have a six foot fence around my back yard to. I think it will depend on how much Insurance you already have as well as how secure the area is around the spa.
Logged
anne
Senior Member
Posts: 1752
Re: insurance: homeowner/personal property?
«
Reply #3 on:
April 04, 2006, 01:44:26 am »
Ironically, this morning I emailed my insurance agent to tell him I had jut gotten a spa and find out if he needed me to do anything with my policy. I'll let you know what he says!
Logged
Dance like nobody's watching
Brewman
Ultimate Member
Posts: 4092
Lead me not into temptation- I can find it myself!
Re: insurance: homeowner/personal property?
«
Reply #4 on:
April 04, 2006, 08:17:57 am »
Mine agent wasn't concerned. The spa is covered for damage caused be fire, weather, vandalism, etc......
With the liability protection on my homeowners policy plus my umbrella, I'm as protected as practical against any accidents that may happen.
Logged
Brewman
anne
Senior Member
Posts: 1752
Re: insurance: homeowner/personal property?
«
Reply #5 on:
April 04, 2006, 04:32:13 pm »
My insurance agent said enjoy the water and dont worry about it. I did assure him that the tub has the appropriate, legally required cover, and that was all he cared about.
Logged
Dance like nobody's watching
J._McD
Guest
Re: insurance: homeowner/personal property?
«
Reply #6 on:
April 04, 2006, 05:48:26 pm »
From the insured perspective, is your Hot Tub insured under your policy as "personal property" OR "as part of the structure"?
Each of these catogories is treated differently and provides different types of coverages.
Logged
Haynes
Junior Member
Posts: 53
2005 Down East Cape Cod/ Monongahela, PA
Re: insurance: homeowner/personal property?
«
Reply #7 on:
April 04, 2006, 08:39:56 pm »
My agent wasn't concerned and stated my policy did not need to be modified. I was surprised because they always look for a reason to raise the rates.
Haynes
Logged
Rayman
Full Member
Posts: 527
KEEP ON TUBBING.....Bea chcomber owner
Re: insurance: homeowner/personal property?
«
Reply #8 on:
April 04, 2006, 08:47:16 pm »
I put mine on my insurance, the premiums did not go up and it is written in the policy as part of the structure and the purchase price taxes included. If it gets damaged by anything other than deliberate it is covered.
Ray
Logged
Beachcomber 750, Brampton On Canada, GO LEAFS GO!!
Hot Tub Forum
Re: insurance: homeowner/personal property?
«
Reply #8 on:
April 04, 2006, 08:47:16 pm »
Print
Pages: [
1
]
« previous
next »
Hot Tub Forum
»
Original
»
Hot Tub Forum
»
insurance: homeowner/personal property?
Home
Buying Guide
Featured Products
Forums
Reviews
About
Contact
Copyright ©1998-2024, Whats The Best, Inc. All rights reserved. Site by
Take 42