We love a night by the campfire more than most here at Fox River Fire Rings – but we take fire and home safety very seriously. As wonderful as it is to spend a cool fall night around a fire, fire does create a potential hazard to your home and your guests and many new buyers want to know – is my outdoor fire pit covered by homeowner’s insurance? We would like to help answer your question and alleviate some of your concerns here at Fox River Fire Rings.
Does My Outdoor Fire Pit Need to Be Covered by Insurance?
Yes – in most cases – an outdoor fire pit is covered by your homeowner’s insurance policy. With that said, the answer to this question is dependent on your own personal insurance policy and some policies will exclude outdoor fire pits. To ensure that your outdoor fire pit is covered by your homeowner’s insurance policy, it is important to contact your insurance provider to get a more specific answer.
A factor that you want to consider when you explore the addition of a fire pit to your backyard is the type of fire pit you plan to buy. Portable fire pits/rings like our high-quality steel Fox River Fire Rings are typically defined as personal possessions on your insurance policy and do not require additional coverage. A permanent fire pit that is integrated into your backyard decor may be defined as an unattached structure by your insurance policy and may warrant additional coverage.
Unattached structures – like garages, decks, sheds and permanent fire pits – are usually capped at 10% of the value of your homeowner’s insurance policy in total. In the event of a fire, the damages to all unattached structures impacted may exceed that value, which makes it important to check with your insurance provider when you decide to purchase or build an outdoor fire pit.
Do I Need Liability Insurance for My Outdoor Fire Pit?
When you ensure that your outdoor fire pit is covered by homeowner’s insurance policy, it protects your home and property – but it is important to consider that someone may get burned by your fire pit or a fire can cause damage to other property in the area. Liability insurance can protect you if the fire pit is too close to your home, it is too close to a neighbor’s property and causes damage or if a guest gets accidentally burned by your fire pit. Contact your insurance provider to make sure that your outdoor fire pit is covered by your liability insurance and that you have sufficient coverage with your current policy.
READ MORE: Can I Have a Fire Pit in My Backyard?
Are you planning to purchase a fire pit or fire ring for your backyard? You may have asked – is my outdoor fire pit covered by homeowner’s insurance? We can help point you in the right direction here at Fox River Fire Rings. Contact Fox River Fire Rings today to learn more about our custom outdoor fire rings manufactured in Wisconsin!