How Do Fire Pits Affect Your Home Insurance?

How Fire Pits Affect Home Insurance in San Diego, CA

Fire pits are one of the most sought after outdoor design elements for a home. Although the appeal of these relaxing additions is high, there’s more to consider, ranging from safety to how owning one can impact your homeowners insurance. Here are a few of the ways having a fit pit could affect the cost of your policy.

Does the Pit Increase Your Home’s Value?

If you are contemplating purchasing a fire pit, review your homeowners insurance coverage to determine if any changes are necessary. If a backyard fire pit adds value to your property, you may decide it is best to increase your coverage limits so they are high enough to pay for repairs or a replacement if your structure is damaged in any way or if any guests incur injuries. This helps protect you if you are found legally responsible for any of these damages.

Is The Pit Attached or Portable?

A big determining factor that may increase homeowners insurance is whether or not the fire pit is portable or permanent. Often, a small fire pit that is easily transported is considered personal property, while a larger, static fire pit may be considered an attached structure. Both of these options fall under different portions of your insurance coverage. The coverage for attached and portable fire pits can vary, but your questions can be addressed by contacting a trusted insurance agent from American Tri-Star Chula Vista.

Are You Practicing Safety?

Through following basic safety guidelines, you can significantly reduce the potential for an insurance claim. This includes placing chairs at a safe distance from the fire and keeping an extinguisher and fire blanket nearby in the event of an accident. Peace of mind comes through reviewing your Chula Vista homeowners insurance coverage and making adjustments based on the fire pit you have chosen so you can enjoy this backyard feature and remain safe while doing so.

If you are considering a fire pit or other addition to your home, whether big or small, contact American Tri-Star to learn how it might affect your insurance. In addition to home insurance, we also offer affordable auto, RV, motorcycle, and commercial insurance in Chula Vista. Give us a call today at 619-827-0522 and one of our knowledgeable representatives would be happy to provide a free quote and answer any questions you have about our various insurance policies.