Why You Should Add Your Hot Tub to Your Home Insurance in Quebec

Buying a new hot tub is exciting, but there is one important step many homeowners forget: contacting their home insurance provider.

In Quebec, winter is one of the biggest reasons to make sure your hot tub is properly declared on your home insurance policy. Freezing temperatures, snow, ice, power outages, and winter storms can all create situations where a spa may be damaged. A hot tub is an investment, and like other valuable items on your property, your insurer should know that it has been added to your home.

If your hot tub is not listed or declared on your home insurance, you may not have the coverage you expect if something happens. Every insurance policy is different, so it is always best to call your insurer or broker and ask what type of protection applies to your spa, its equipment, and the surrounding area.

Adding your hot tub to your insurance can also be important beyond winter. Unexpected situations can happen on any property, and having your spa properly included in your policy gives you better peace of mind. It helps ensure your insurer has the right information about your home and your backyard setup.

It is also a good time to ask about liability coverage. A hot tub is a great place to relax with family and friends, but because it is part of your property, your insurance company should know it is there.

Before or shortly after your new hot tub is delivered, contact your home insurance provider and ask:

“Is my new hot tub properly covered under my home insurance policy in Quebec?”

A quick call can help protect your investment and allow you to enjoy your spa with confidence through every season, especially during our Quebec winters.