Ask an Agent
Have another question? Our licensed agents are here to help.
Ask an agent for free
Question

Should I inform my insurance company about my infrared sauna?

I just got an infrared sauna for my home. Do I have to tell my insurance company about it? Will having the sauna increase my premiums, and if so, how much?

Mar 29, 2024 Dorchester, IA

Answer
Author profile picture

Beth Swanson

SEO Content Strategist

Credentials
  • Licensed Insurance Agent — Property and Casualty

Beth joined The Zebra in 2022 as an Associate Content Strategist. She is a licensed insurance agent whose goal is to make insurance content easy to r…

Thank you for reaching out to The Zebra!

Yes, you will absolutely want to contact your current homeowners insurance company to let them know you've installed the sauna. Making upgrades or remodeling your home can impact your coverage, and because of this, it may increase your rates slightly. How much it goes up depends on how much coverage you have. If the sauna is built into the home, you want to make sure that its value is considered in the overall coverage for the dwelling (some companies call this Coverage A).

If you lost your entire home, you'd want to be able to replace everything — including your new sauna. You need to account for that cost when calculating how much coverage you would need to rebuild. Your homeowners insurance will only payout on a claim for the sauna if they have that factored into your policy coverages. Anytime you update your home and increase value, it's best to contact your insurance company to confirm adequate coverage.

It's also important to keep your liability coverage in mind: if someone were to have an accident in your sauna, your liability insurance would help out, but you risk not having enough liability coverage and inviting a possible lawsuit. Things like saunas, hot tubs, pools, or trampolines are considered "attractive nuisances" in the insurance world. We know they're fun to have at home, but they add risk to your property. If you're considering purchasing something that could be a liability to your home you will want to make sure your coverage limits are high enough for your peace of mind.

When you make improvements to your home, it is also a good time to shop around for new quotes and see if you can save money on your insurance. We'd love to help you with this process, so call us at 888-255-4364 when you're ready so we can answer any questions you've got about your home's features, and get you personalized rates from a wide range of insurance companies.

Ask an Agent
Have another question? Our licensed agents are here to help.
Ask an agent for free

Insurance is complicated, but it doesn't have to be.

The Zebra searches all of the top insurance companies, in one place, so you can compare the cost and coverage you need to protect your car, home and other property.

Step 1: Tell us a little about yourself

Choose an insurance product and enter your zip code to get started.

Step 2: Sip your coffee while we find the best quotes

Enter the necessary information and then sit back while we find quotes from 100 top insurance carriers.

Icon Fill Form

Step 3: Compare your quotes

Compare quotes side-by-side to find the right match for you, whether it's home, auto, or more.

Icon Agent

Step 4: Let our agents do the hard work for you

Once you pick your policy, our agents are here to get you over the finish line. Then just relax and enjoy your savings.

Compare auto insurance rates and save up to $670 per year!

Location pin icon
No junk mail. No spam calls. Free quotes.

Related Questions

Other people are also asking...

If the value of my home goes up, do I need to increase my coverage?

The value of your home increasing is amazing for selling purposes. However, when it comes to insuring a home, insurance carriers value the dwelling (Coverage A) at a replacement cost. This means they will cover the actual amount to rebuild your home, in the event a covered peril leads to a need to …
Apr 1, 2022 Copely, Ohio

Can I remove a ticket for no insurance if I get insurance now?

No - even if you had a policy begin that day, it would not help getting your ticket dismissed. Because insurance is required in your state, you will still need to have insurance. I recommend getting a car insurance policy as soon as possible to avoid any penalties. Furthermore, you will have to sho…
Aug 16, 2018 Marshtown, IA

Why didn't my insurance company give me a defensive driving discount for completing the course?

Discounts vary by company, state, and situation so there is no guarantee that a carrier will provide a discount just from completing the course. Because taking a defensive driving course costs money, you always want to check with your company to see if they offer a discount before wasting your mone…
Apr 8, 2016 Waterloo, IA

My musical equipment stolen from friend's house covered by insurance

This can be tricky. From my experience, most home insurance policies will cover stolen property even if it's not the property of the named insured (your friend) but I would consult their policy declarations page to be sure. The tricky thing has to do with the value of the assets. If your music…
Jun 21, 2018 El Paso, TX