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Homeowners Insurance Coverage Provides Financial Protection

If you are excited about owning the most trending outdoor decor for your home, then buy a backyard fire pit. It is possible to find a fire pit in most gardening stores, but you should understand more about the different types of fire pits before making a purchase and adding it to your insurance coverage policy. In addition, it is important to understand the fire pit safety regulations in your city.

Four Types of Fire Pits Are Available

One: Natural Gas

With a natural gas fire pit, you never need to buy fuel at a store or carry it to the item before lighting it. However, you must install a natural gas line to the device.

Two: Gel Fuel

By using a gel fuel fire pit, you can move the item from one location to another for different occasions or uses. A drawback is that finding gel fuel in most local stores is difficult.

Three: Wood Fuel

Having a backyard fire pit that burns wood is similar to having a campfire, but there are more dangers from sparks unless you make sure to follow all of the fire pit safety rules.

Four: Propane

Propane fire pits are popular because the fuel is easy to find, and if you buy the right model, then you can roll it around on its wheels. With propane heat, you can use a fire pit in the autumn and winter to remain warm while outside.

Homeowners Insurance Coverage is Essential When You Have a Fire Pit

Contact your agent to add more insurance coverage to your policy to protect you from the financial ramifications of a dangerous fire or personal injury. To help avoid dangerous situations, your agent can also provide a written list of fire pit safety guidelines.

Fire pits 101

Backyard fire pits are one of the top design features in backyards, and for good reason. A fire pit is an inexpensive and attractive way to extend the use of your yard into the colder fall and winter months. If you’ve decided that a fire pit is right for you, here are a few things you need to know first.



In areas of the country that are prone to wild fire, your policy may require you to disclose your fire pit to your insurance agent, so your first step should be to contact your personal agent and ask how a pit affects your homeowners insurance coverage.




Next, you need to find the right pit for you. Wood burning pits can be either built-in or portable, and are the most common. The main drawback is that wood burning pits are fairly high maintenance. You need a steady supply of wood and a place to store the wood to keep it dry.

Propane fire pits are generally easy to maintain, but they will need a constant supply of propane, and are usually larger than wood burning pits, requiring more space. Similarly, natural gas pits require a gas line to be run, and are permanently installed in one location.




Finally, make sure to your pit is in a safe location. A fire pit should be located at least 10 feet away from fences, buildings, and trees. Place the pit on gravel or stone slabs, that extend at least 2 feet beyond the perimeter of the fire, with debris such as twigs and leaves cleared an additional 5 feet. Also, be certain to not place the pit under low-hanging branches or a covered deck.


Properly used, fire pits are an excellent addition to any backyard.

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