Will My Fire Pit Affect My Homeowners Insurance?

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.

A fire pit burning wood in the backyard.

Should Your Agent Know About Your Fire Pit?

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.

Understand a Fire Pit's Hazards

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.

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Without the Right Coverage, You Could Be Playing with Fire

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.

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Savings and coverage subject to terms, conditions and availability. Savings will vary. Allstate Insurance Company, Allstate Indemnity Company, Allstate Property and Casualty Insurance Company, Allstate Fire and Casualty Insurance Company, Allstate New Jersey Insurance Company, Allstate New Jersey Property and Casualty Insurance Company, Northbrook, IL. © 2011 Allstate Insurance Company.

The availability, qualifications and amounts of these coverages and discounts may vary from state to state. In addition, other terms, conditions and exclusions not described above may apply, and total savings may vary depending on the coverages purchased. In some states, we may offer coverages and discounts that are not listed here. For more information regarding your eligibility for certain coverages and savings opportunities, please contact your Allstate agent.

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