Does a hot tub increase the price of home insurance?

We are looking to spruce up our backyard for the summer. We’re thinking about getting a hot tub, but we’re not sure about the ongoing expenses. Would a hot tub increase our home insurance?

Emily Maracle · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
A hot tub in the backyard sounds wonderful! In most instances, a hot tub will increase your home insurance.
A hot tub is considered an attractive nuisance. Like swimming pools and trampolines, children are drawn to hot tubs, which means the owner must exhibit special care. Because of this increased liability, most
home insurance
companies charge more for insurance when there’s a hot tub on the property.
That said, the amount your home insurance will increase varies. Depending on the current
personal liability
coverage you have on your policy, your insurer may not need to raise your coverage limits. If they require a higher limit, it may only cost you a few extra dollars every month.
Before purchasing a hot tub, speak with your insurer. They can give you more information about adding a hot tub to your home insurance coverage. They’ll also let you know what coverages on your policy extend to your hot tub.
If you decide to get a hot tub, but you aren’t thrilled at your insurance cost, be sure to shop around. If you want to save money on home, renters, or car insurance, the
app is a good place to start. A licensed broker, Jerry does all the hard work of finding cheap quotes from the top name-brand insurance companies. Jerry will even help you cancel your old policy.
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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.

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