The short answer
Hot tubs are covered as 'other structures' (Coverage B) or contents (Coverage C) depending on whether they're built-in. Perils covered are the same as the dwelling. Liability for guest injury is usually included but many carriers add a surcharge or require a locked cover / fence. Disclose to your insurer — undisclosed hot tubs can void a liability claim.
Frequently asked
- Does it raise my premium?
- Typically $50–$200/yr due to added liability exposure.
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