Adding amenities to your home is a great way to create a gathering spot for the entire family to spend quality time together. An outdoor kitchen can encourage everyone to spend more time outside, rather than being indoors in front of a screen. However, it’s important to understand how this upgrade may impact your insurance premiums and coverage limits.

Increased Coverage

An outdoor kitchen often results in a slight increase in your monthly premiums because it requires higher coverage limits. Home insurance policies, such as those offered by The Hansen Agency LLC, are designed to replace damaged property, which includes your outdoor kitchen. To ensure you have enough coverage to replace this new amenity, your policy limits may need to be adjusted.

Fire Risk

Many outdoor kitchens in Washington, PA include features like pizza ovens, which can increase the risk of fire. However, standard BBQ grills are generally not considered additional fire hazards since they are common and widely used. Speak with an insurance agent to review the specific features of your outdoor kitchen and determine whether they will impact your premiums due to increased risk.

Several factors are considered when determining whether an outdoor kitchen will increase your premiums. Replacement cost is one of the most significant factors. For example, an outdoor kitchen with elaborate stonework and permanent fixtures will be more expensive to replace. Fire hazards are another key consideration for insurance companies.

Get Expert Advice

Because outdoor kitchens vary widely in design and features, it’s difficult to provide a definitive answer about how they will affect your insurance. Instead, it’s best to consult with one of our professional agents at The Hansen Agency LLC. We’ll discuss your outdoor kitchen and help you determine whether your upgrade will impact your insurance coverage. Contact us today to learn more. We proudly serve the Washington, PA area.