Who doesn't love a hot tub?! Forgive me if the picture is boring, Michelle would not let me publish the picture of her in the hot tub I originally had. In fact, I also had many stories of what not to do in a hot tub featuring Michelle, but those probably shouldn't be mentioned. Many people love to enjoy a hot tub in the winter. There’s just something cozy about it when its cold outside. This time of year we get many calls from insured’s about their hot tubs. Are they covered if they freeze? Are they covered if something breaks? Do I need to add them to my insurance policy? Generally speaking, hot tubs are covered by your homeowners insurance, however, their coverage and how that coverage works changes based on how and where the hot tub is installed. Your liability coverage will likely cover you in case of injuries sustained in your hot tub. You should check with your insurance provider to see if your tub is covered in the first place. Some companies may make you get an added endorsement before protecting it. When it is covered, your hot tub should be safeguarded from the same perils listed on the policy that your home and belongings are. These could include storm damage, fires, and fallen trees, whether its considered a part of your home or as your personal property. Each insurance carrier will treat, define, and classify a hot tub differently as well as what perils (causes of loss) your insurance will cover. It’s always a good idea to contact your insurance provider if you have a hot tub or plan to install one. Having the right coverage in place will give you peace of mind and help avoid surprises if you ever need to make a claim.
Hot Tub Do’s and Don’ts
1. DO turn your hot tub into "no freeze" mode.
2. DO invest in a good cover and lock it when not using.
3. DO turn off the air controls when not in use.
4. DON’T change the water in freezing cold weather.
5. DON’T use a shovel to remove snow from the cover.
6. DON’T let the water get too cold, keep it consistent.
Using a hot tub in winter is a true luxury, but you will need to take some precautions to keep your hot tub and your health safe in the frigid winter air. So keep these tips in mind to protect your hot tub and enjoy it to the fullest all winter long!
Posted on February 3rd, 2023