When you make the decision to add a backyard fire pit to your property in Wisconsin, there are a lot of things you need to know — like how far a backyard fire pit should be from your home. There are also a lot of questions that need to be asked and answered about backyard fire pits for homeowners, including whether or not backyard fire pits are covered by insurance in Wisconsin, and we may be able to answer your questions at Fox River Fire Rings.
FAQs About Insurance for Backyard Fire Pits
Yes — backyard fire pits are covered by insurance in Wisconsin — but there are still a lot of questions that need to be answered about insurance coverage for backyard fire pits. We want you to be prepared when you decide to purchase a custom Fox River Fire Ring and add it to your backyard entertainment space.
Here is a better look at a few insurance FAQs that we hear at Fox River Fire Rings:
What Type of Insurance Do I Need for My Backyard Fire Pit?
In most cases — your backyard fire pit is covered by your homeowner’s insurance, but the coverage you need may vary based on the type of fire pit you own — portable or permanent. Your average homeowner’s insurance will cover fire damage to your home, deck, or fence, damage to personal property, and liability for potential injuries to any guests. Homeowner’s insurance will not cover damage that is caused by negligence, fires that spread due to code violations, or illegal fire pit setups.
What Does Liability Insurance Cover for Backyard Fire Pits?
Most homeowner insurance policies will include an element of liability coverage — which is critical if you want to add a fire pit to your backyard. If a guest gets burned by your fire pit or has a related injury, your liability insurance will cover basic medical expenses, legal defense costs, and any potential settlements in the event that a guest attempts to file a lawsuit for their injuries. Additional liability coverage beyond your standard policy may prove to be an asset if you have a backyard fire pit.
What Is Fire Suppression Liability in Wisconsin?
In general — when a backyard fire spreads and causes damage to property or an injury, your homeowner’s insurance policy will cover those costs. Wisconsin residents who add a backyard fire pit to their property may need to investigate additional insurance to combat Fire Suppression Liability. In Wisconsin — a Fire Suppression Bill allows the Department of Natural Resources and local fire departments to bill you for costs related to putting a fire out — if you were not compliant with local fire laws.
What Types of Fire Pits Are Covered by Insurance?
The type of fire pit you choose to install in your backyard will impact your insurance coverage. A portable fire ring — like a Fox River Fire Ring — is treated as personal property in Wisconsin and is included in Coverage C Homeowner’s Insurance. A permanent backyard fire pit is considered a “structure” and is covered by Coverage B Homeowner’s Insurance.
READ MORE: Things You Need to Know About Fire Safety Laws in Wisconsin
Homeowners interested in a backyard fire pit want to know — are backyard fire pits covered by insurance in Wisconsin? This quick overview created by Fox River Fire Rings will answer your questions about owning a backyard fire pit and your insurance coverage.
Contact Fox River Fire Rings today for more information about our custom steel fire rings!
