Pool heaters don’t last forever. Even with regular maintenance, they’ll eventually need repair or replacement. And while unlikely, someone could even attempt to steal your pool heater in Evergreen, CO.
In situations like these, you’ll naturally wonder whether home insurance covers the pool heater. Here’s the answer from Davidson Insurance Agency.
Pool Heaters and Home Insurance
In most cases, pool heaters aren’t automatically covered by a standard home insurance policy. However, if the pool heater is specifically listed as covered under a named peril, it will be protected.
If you review your policy and find that your pool heater isn’t listed as a covered item, you may be able to work with your insurer to add it as one.
What About Pool Heater Wear?
Wear and tear are inevitable. So will insurance cover maintenance as that wear occurs, or the resulting repairs?
Generally, no. A standard home insurance policy typically doesn’t cover routine wear on a pool heater, nor does it usually cover damage caused by freezing, corrosion, rust, or general mechanical breakdown.
Insurers Will Ask Questions
If you file a claim for a damaged or stolen pool heater, be prepared to answer some questions. Even if the heater is a named, covered item, your insurer will likely want to know how it was damaged, how old it is, and what type of unit it is.
Providing all the requested information gives you the best chance of receiving compensation for some or all of the repair or replacement cost, assuming it’s a covered peril. Keep in mind, though, that the payout is unlikely to account for the heater’s full value, since depreciation over time typically factors into the settlement.
Davidson Insurance Agency Is a Call Away
Are you looking for home insurance in Evergreen, CO? Our team is here to help. Dial 303-674-3325 for your customized quote.
