Are fire pits covered by homeowners insurance?When it comes to fire pits, there are a few factors that you need to take into account before making a decision.
Firstly, is the pit safe? Secondly, is it covered by your homeowner’s insurance policy? Thirdly, does the pit have an automatic fire suppression system? And finally, how often do you use the fire pit? If any of these questions answer with “no” then the pit may not be covered by your homeowner’s insurance policy.
Source: takeayard
Are Fire Pits Covered By Homeowners Insurance?
If you have a fire pit in your yard, you may be wondering if homeowners insurance covers it. While there is no definitive answer, most likely it will not.
In order to find out for sure, you’ll need to contact your homeowners insurance company and/or speak with your local officials. Additionally, you should check with your policy to see if there are any specific exclusions that would apply to your fire pit.
You May Be Eligible For A Fire Pit Exclusion
If you own a home and have a fire pit, you may be wondering if your homeowners insurance covers it. Depending on the state in which you reside, some homeowner’s policies do not cover any outdoor fires, including fire pits.
Other homeowner’s policies exclude only certain types of outdoor fires, like gas barbecues or permanent flame grills. You will need to contact your homeowners insurance agent to ask about your specific policy and whether or not the fire pit is covered.
Be sure to keep records of when and where the fire pit was used so that you can provide this information to your insurance company should the need arise. Fires in fire pits are typically considered accidents, so don’t be surprised if your insurer does not require proof of an intentional act to claim coverage for the damage done by a fire in a fire pit.
In most cases, damages from a spontaneous combustion caused by a faulty propane tank in a fire pit are usually covered under homeowners insurance policies as long as they are reported within hours of discovery by the insured party
Contact Your Homeowners Insurance Company To Find Out
If you have a fire pit in your backyard, make sure to check with your homeowners insurance company to see if it is covered.
Homeowners insurance policies vary significantly from state to state, so it is important to contact your policyholder if you have any doubts.
Check With Your Local Officials Regarding Regulations
If you have a fireplace, it is important to be aware of the local regulations regarding fire pits. Some municipalities may not allow them in residential areas, while others may only permit outdoor use with a special permit.It is also important to check with your homeowners insurance company to see if they cover fire pits.
Many companies will have specific coverage for things like this.
What Are The Types Of Fire Pits?
Even though most homeowners insurance policies do not cover fire pits, it is important to be aware of the types that are covered and what your policy does or does not cover.
Fire pits can be classified as either ornamental or functional. Functional fire pits are used for cooking and barbecuing while ornamental fire pits add a touch of rustic charm to your property.
Most homeowners insurance policies only cover functional fire pits, but some may also cover ornamental fire pits if they are deemed necessary for your home’s safety. You should always read your policy carefully before purchasing a fire pit because some companies offer discounts or exemptions for adding one to your property.
If you have any questions about whether or not your home’s insurance policy covers a particular type of fire pit, you should contact your agent or insurer directly. Be sure to check with your homeowner’s insurance company every year to make sure that the fire pit is still being covered and that there are no changes to the terms of the policy since last year’s inspection.
It is also important to note that if you decide to remove a fire pit from your property, you should thoroughly clean up all the debris so that it doesn’t create potential hazards for other homeowners on the block or in neighboring properties. Finally, be sure to use caution when using any kind of open flame at any time – even if the pit is covered by homeowner’s insurance! Always take precautions when using any type of open flame – including those found in a decorative fire pit!
Are Gas Fire Pits Covered By Homeowners Insurance?
Homeowners insurance may cover damages done to your home by a fire that started in a gas fireplace, providing the pit was installed and maintained properly.
Make sure you have a current homeowners policy before starting any kind of renovation or adding on to your home, as even small changes can trigger coverage. The type of gas fireplace must meet certain safety standards in order to be covered under homeowners insurance.
If there are any questions about whether or not your gas fireplace is covered, speak with your agent or consult an online resource like this one. In most cases, homeowner’s insurance will only cover the replacement cost of household items lost due to the fire – not the total value of the item itself.
Remember that if you use your gas fireplace for anything other than decoration or heat, it may not be covered by your homeowners insurance policy! Keep all combustibles – including wood and paper products – away from the area around your gas fireplace at all times; this includes both indoor and outdoor areas where the fire could start.
Cleaning up after using your gas fireplace should also be part of regular upkeep – make sure to empty ashes and embers into an approved container every time you use the fireplace and clean out all crevices and openings where fire could enter (such as vents). Finally, never leave children unattended around a open flame – no matter what kind of fuel it is burning!
Are Wood Burning Fire Pits Covered By Homeowners Insurance?
If you’re thinking of installing a wood burning fire pit in your backyard, make sure to ask your homeowners insurance company first.
Some insurers may not cover any type of outdoor fires, including wood burning ones, so be sure to inquire about coverage before making the purchase or installation.
Be aware that some policies may only cover damages that are caused by an outside force like a storm or wildfire. Other policies may only cover damage done while using the fire pit as intended – for example cooking food or roasting marshmallows over it.
You should also verify whether or not your policy covers accidental fires, such as a trash can that starts on fire when someone leaves it out in the rain. Finally, be sure to read your policy carefully and understand all its provisions before purchasing it.
In general, wood burning fires are generally considered safer than traditional open flames because they use less oxygen and produce less heat. As long as you follow all the safety guidelines outlined by your homeowners insurance company, a wood burning fire pit should be relatively safe and secure for use in your backyard!
Can A Fire Pit Cause Structural Damage To My Home?
Fire pits are made to keep you warm when you sit beside them. If you have a fire pit in your backyard, it is important to know whether or not homeowners insurance covers damage caused by a fire.
In many cases, homeowners insurance does cover structural damage from a fire pit, but it depends on the policy and the specific situation.
The coverage may also depend on whether or not the fire pit is outdoors or indoors. If your home has wooden beams or columns, then a fire pit could cause serious damage.
Fires in pits can also start grass fires that spread to other parts of your yard. It is important to keep an eye on any fires in your fire pit and make sure they are out before they cause any structural damage to your home.
If you do have a fire in your pit and it causes structural damage, be prepared to deal with the repairs yourself or hire someone to do it for you. Always check with your homeowners insurance company before installing or using a fire pit in your backyard!
Conclusion
Homeowners insurance usually covers any damage done by fires in your home, but it may not cover the cost of a new fire pit.
Check with your homeowners insurance company to see if they have any coverage for a new fire pit.
