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Are Fire Pits Covered by Homeowners Insurance?

Most homeowners policies will typically cover accidents related to outdoor fire pits.

Most homeowners policies will typically cover accidents related to outdoor fire pits. However, you should ask your insurance agent if your policy has adequate liability and medical payments coverage. These parts of the homeowners policy could protect you if fire pits cause injury to a guest or damages someone’s property.

Of course, there are steps you can take to make a fire pit accident less likely. Here are a few things AAA Insurance recommends.

  • Build fires 10 to 20 feet away from any tree or structure like a home or shed.
  • Stash a fire extinguisher, hose and fire blanket nearby in case of an emergency.
  • Don’t light fires on windy days. Strong winds can send embers flying across your yard or onto a neighbor’s property.
  • Never use gasoline or other flammable liquids to start a fire.
  • Keep children and pets at least 3 feet away from the flames.

Before installing a fire pit, chiminea or outdoor fireplace on your property, check with your local fire department about rules and regulations. Some communities, such as New York City, do not allow open fires, period. Communities with homeowners associations also tend to have their own rules about fires, so it’s a good idea to ask before you burn.

– Jodi DeSantis, director of insurance sales, AAA Northeast

For more insurance information, visit AAA.com/Insurance

Top photo: A backyard fire pit. (oneillbro / iStock)
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