An outdoor kitchen is a great way to enjoy the summer months in your backyard. But if you’re like most homeowners, you’re probably wondering: Does my home insurance cover my outdoor kitchen?

What Is Covered by Home Insurance? 

Your home insurance policy will cover any damage or loss caused to your outdoor kitchen due to events such as fire, theft, vandalism, windstorms, lightning, and other natural disasters. Depending on the extent of the damage, your coverage may be limited or excluded for specific events. That’s why it’s essential to thoroughly read your policy and understand what is and isn’t covered. 

Does Home Insurance Cover Outdoor Kitchen Appliances? 

Yes! Your home insurance policy will likely cover any appliances permanently installed in your outdoor kitchen. This includes gas grills, refrigerators, range hoods, and ventilation systems. However, you should check with your insurer to ensure that these items are included in your policy before making any significant purchases. 

Does Home Insurance Cover Portable Appliances Used Outdoors? 

No! Your home insurance policy does not typically cover portable appliances used outdoors, such as propane tanks or portable grills. If you use these items often in your outdoor kitchen setup, it might be wise to invest in additional coverage for them in case they are damaged or lost due to a covered incident. 

In addition to providing coverage for your outdoor kitchen setup, The Owens Agency LLC can offer additional protection for liability claims related to using this area of your property. This could include protection against injury or property damage claims resulting from accidents on or near the premises of your outdoor kitchen setup.  

To learn more about how The Owens Agency LLC can help protect all aspects of owning a home in Arizona—including an outdoor kitchen—contact us today for a free quote!