Case study: Roslyn's experience

We recently bought a new hot tub for our back deck. I called our home insurer to get it added to our policy coverage. The total cost was only an extra $9 per year.
Now if there’s a house fire that damages it or a tree branch falls on it, our home insurance would cover any repairs to the hot tub along with our home and property. Otherwise we’d need to pay out of pocket to repair it or buy a new one, and hot tubs aren’t cheap.