Hot Tub Loss as Coverage C or Coverage B?

Our Insured has a hot tub. It is a self contained unit, located in an out-building, separate from the house. It is not connected to the domestic plumbing in any way, but it is hard-wired to the home's service panel. Recently, during a power outage, the water in the tub lines froze and caused leaks. Is the tub considered Coverage C, and if so, does this loss fit the “freezing” peril?

Massachusetts Subscriber

This premium content is locked for FC&S Coverage Interpretation Subscribers

Enjoy unlimited access to the trusted solution for successful interpretation and analyses of complex insurance policies.

  • Quality content from industry experts with over 60 years insurance experience, combined
  • Customizable alerts of changes in relevant policies and trends
  • Search and navigate Q&As to find answers to your specific questions
  • Filter by article, discussion, analysis and more to find the exact information you’re looking for
  • Continually updated to bring you the latest reports, trending topics, and coverage analysis