Hot Tubs with Home Insurance: Everything You Need to Know

Hot Tubs with Home Insurance: Everything You Need to Know

When it comes to house insurance, a hot tub poses some particular challenges. Here’s what you need to know about how your hot tub and your home insurance will work together.

Your Liability is Covered, which is great news.

The majority of the time, your liability is protected. If a guest has an accident in your tub or travels to another realm, your home owner’s policy will most likely pay the costs of a lawsuit brought against you. According to a survey from Nationwide Children’s Hospital, hot tub injuries climbed 160 percent between 1990 and 2007. Homeowners’ hot tub accidents or injuries are not covered; this is covered under your health insurance plan.

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Because having a hot tub on the property increases the likelihood of an accident, you should consider increasing your liability limit if it is less than $300,000. According to the Insurance Information Institute, one out of every 750 homeowners will file a claim for liability or medical expenses.

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It’s worth noting that some insurance companies will refuse to insure you because of the increased risk that a hot tub poses. When looking for insurance, make sure to include the hot tub to ensure that a carrier would cover a home with one.

The Bad News Is That the Hot Tub Isn’t Working (sometimes)

Any damages to your hot tub may not be covered by your ordinary policy unless you’ve specifically added supplemental coverage for it.

Insurance is handled in a variety of ways. Spas and Hot Tubs

Some insurance policies may cover a hot tub under Coverage B: Other Structures. Other structures are structures that are not physically related to the main house structure but are covered by the same disasters as the main structure but with a different coverage limit. Other constructions are typically covered at 10% of the housing coverage (coverage A). So, if your home is insured for $300,000, you will most likely have $30,000 in coverage for other structures.

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Some insurance, however, do not cover free-standing hot tubs. Different laws and restrictions may apply to in-ground hot tubs. Check your policy or talk to your insurance agent to find out what your coverage covers.

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Other Things to Think About

Check to see if your hot tub is covered for replacement cost or real cash value. (Note: Your hot tub’s actual cash value will degrade over time, and you will not receive a full replacement if it is damaged beyond repair by a covered peril.)

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If your hot tub freezes or is destroyed due to poor maintenance, you should expect your claim to be refused, regardless of how your policy handles hot tubs.

It’s a good idea to speak with your insurance agent about what and how your policy will cover hot tub claims, as well as how much liability insurance they recommend.

Premiums are likely to rise.

Home insurance premiums are typically based on the likelihood of a claim being filed against your policy. Since drowning is the second leading cause of death in children under the age of 14, it’s understandable that insurers would demand higher premiums to cover the risk.

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If you’re thinking about acquiring a hot tub, an umbrella policy is a terrific way to boost your coverage without having to spend a lot more in premiums because of the high liability limits. For $150-$300 per year, you can usually get $1 million in coverage.

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Safety Measures to Lower the Risk of Using a Hot Tub

Many insurance providers will require you to take specific steps to assist mitigate risks and keep people safer in the vicinity of your hot tub. Among them are the following:

  • Putting up a fence (check about specific height requirements, usually over 4 feet)
  • Install a gate locking mechanism.
  • Gate that closes and latches on its own
  • Visible Signs prohibiting trespassing
  • A safe haven
  • Consult your insurance provider.

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