There’s nothing quite like relaxing by a firepit on a cool evening—whether it’s roasting marshmallows with the family or enjoying a quiet moment under the stars. Firepits bring people together and add a cozy ambiance to any backyard. However, with warmth and charm comes responsibility. At John Scott Insurance Agency, we want to help you enjoy your outdoor space safely—and help you understand how firepit safety can also impact your homeowners insurance policy.
Firepit Safety: Why It Matters
While a backyard firepit may seem low-risk, improper use or poor maintenance can lead to dangerous situations, including:
- Uncontrolled flames that can spread to nearby structures
- Smoke damage to your home
- Injuries to guests or family members
- Potential liability issues
Fire-related incidents are among the costliest homeowner’s insurance claims. That’s why insurers pay close attention to risk factors like firepits and outdoor heating features.
Tips to Keep Your Firepit Safe and Insurance-Friendly
Here are a few ways to use your firepit safely and stay on good terms when it comes to your insurance policy:
- Maintain Distance: Position your firepit at least 10–20 feet away from your home, shed, trees, and fencing.
- Use a Fireproof Base: Place it on a non-combustible surface such as concrete or gravel—not on grass or a wooden deck.
- Never Leave It Unattended: Always supervise an active fire and ensure it is completely extinguished before heading inside.
- Keep Extinguishing Tools Nearby: A bucket of water, fire extinguisher, or garden hose should be within reach.
- Check Local Ordinances: Make sure your firepit use complies with any local fire codes or HOA regulations.
How It Affects Your Homeowners Insurance
Improper firepit use can result in property damage, liability claims, and even policy exclusions depending on the insurer. On the flip side, demonstrating safe firepit practices and complying with recommended safety guidelines can reduce your liability risk—something insurance companies take into account.
Some policies may even require notification if you install a permanent fire feature. At John Scott Insurance Agency, we can review your policy to ensure you’re covered properly and make sure no detail slips through the cracks.
Have a Firepit? Let’s Talk Coverage.
Whether you’re planning to install a firepit or already have one in place, it’s a great time to review your homeowners policy. Firepit Safety is no joke and here at John Scott Insurance Agency, our team can walk you through how your outdoor features may impact your insurance and help you stay protected—while enjoying every corner of your property.
Call us today to speak with one of our knowledgeable team members and make sure your coverage fits your lifestyle.