Published: September 2011
If you currently own or plan on building a fire pit on your property, you might wonder if it's something you should disclose to your insurance agent or if it will negatively affect your existing homeowners insurance policy.
In some parts of the country, such as areas prone to wildfires, your policy may require disclosing your fire pit to your agent. As always, it's best to talk to an agent to get specifics for where you live.
Whether or not your insurance policy requires disclosure, you shouldn't dismiss the potential safety hazards of owning a fire pit. If it does cause a loss, you may or may not be financially responsible for part or all of the damage—at Allstate, your homeowners insurance typically includes a fire pit.
But you need to understand that fire pits can be a structural fire hazard and are certainly capable of causing smoke inhalation damage when used improperly. For this reason, they're prohibited in certain cities and counties. Check your local laws to make sure you're in compliance before installing.
Allstate will make sure you're protected in case of accidental fire damage—and countless other claims. Let the Good Hands at Allstate match you up with the insurance policy that's best for your property.
To get an easy no-obligation quote, call us at 1-800-ALLSTATE (1-800-255-7828), or find an agent near you to see how Allstate can help you save by combining policies.