A hot tub is the perfect addition to a home. Whether your hot tub is indoors or outdoors, you’ll find it makes life that much more rewarding. 

Will home insurance cover your cherished hot tub in Mount Prospect, IL? The Com-Co Insurance Agency has the inside scoop.

Home Insurance and Hot Tubs

You’ve spent hard-earned money on your hot tub. Coverage for the hot tub depends on the specific type of insurance policy you obtain. As an example, HO-5 policies cover open perils including the hot tub on your property.

If you have HO-3 insurance, it will cover open perils limited to specifically named perils. Such named perils are only applicable if the portable hot tub is damaged by a risk named within the policy, be it a windstorm, lightning or fire.

Moreover, if the hot tub is portable and not permanently installed on the property, it might not be covered. If you aren’t completely certain if your coverage applies, reach out to the Com-Co Insurance Agency Inc for more information.

What About Exclusions?

Take a look at the small print of your homeowners insurance and you’ll find distinct exclusions including risks that are not covered by the policy. Such exclusions have the potential to limit coverage for hot tubs, pools and other niceties in or outside the home.

Examples of such exclusions include losses related to maintenance, earthquakes, floods, frozen pools and more.

Com-Co Insurance Agency Inc is a Call Away

If you are considering buying a home, recently bought one or need insurance for your living space, contact us today. We serve the entirety of Mount Prospect, IL and beyond.

Dial 847-673-1212 for your customized home insurance quote.