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3 minute read Published on Aug 25, 2021 by BrokerLink Communications
There’s nothing quite like relaxing in the sauna. It can be an amazing stress reliever and muscle relaxer. If you’re lucky enough to have one at the cottage or camp, you know just how refreshing it is to run from the sauna and jump in the lake! If you’re considering installing a sauna in your home, you might be wondering how it could impact your home insurance. Keep reading to learn more about home saunas and home insurance.
In a nutshell, a sauna is a small room or building that uses steam and heat to make you sweat! People around the world have used saunas for centuries and they are increasingly popular across Canada. The English word “sauna” comes from an ancient Finnish word that refers to the traditional Finnish bath. Saunas are so popular in Finland, most people have a built-in sauna in their house!
There are many proven health benefits of saunas:
There are some people who should not use saunas. If you have recently had a heart attack, it might not be safe for you to use a sauna. Do not use a sauna if you have been drinking. If you are unsure if it’s safe for you to use a sauna, consult with your doctor.
There are many different types of saunas. Here are a few of the most common:
This is the most traditional form of Finnish sauna. Wood is used to heat sauna rocks which heats the room.
This is the most common type of sauna today. They can be fairly easy to install with the help of an electrician.
This type of sauna uses infrared heaters to heat the surface of the skin. There is no water or steam used in this type of sauna. Infrared saunas are often used by athletes to warm up their muscles or relax tight muscles.
From the perspective of an insurance company, a sauna is like a swimming pool in the sense that it brings additional risk. Someone could slip and fall in the sauna. If they become injured, they might sue. A sauna could also cause structural damage. This doesn’t mean you shouldn’t get a sauna. It just means your insurance company might see your home as riskier, which means you might see an increase in your rate.
If you are considering a sauna, whether it’s inside or outside, talk to your insurance broker first. They’ll give you an idea of how it could impact your premium. You can factor that cost into your budget to make sure it’s still a good option.
Every home insurance policy is different. However, if your home is damaged by your sauna due to leaks and mould, your home insurance policy may not cover it. That’s because it’s your responsibility to maintain the sauna. If you have a sauna or if you’re planning on getting one, talk to your insurance broker first to understand what is and isn’t covered. If you do go ahead and install the sauna, make sure you understand how to maintain and care for the sauna in order to prevent damage to your home.
A sauna can be a great addition to your home! However, make sure you’re aware of all the risks and costs associated with a sauna before you start steaming. Talk to a broker to understand exactly how a sauna can impact your home insurance.
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It’s possible that your health insurance could cover a portion of an infrared sauna. Heat therapy can be prescribed for things like chronic fatigue, arthritis and fibromyalgia. Talk to your health insurance provider to find out if this is covered under your plan.
If you have a sauna, it could result in a higher home insurance premium. The exact price will vary depending on many factors such as where you live and your claims history. To determine your exact rate, or to find out how much your home insurance could increase by installing a sauna, talk to your insurance broker.
Insurance rates are informed by risk. If the insurance companies take on a greater amount of risk, you will most likely pay a higher premium. Things like pools and saunas increase risk. In particular, they increase your liability risk. That means it’s more likely that someone could injure themselves and sue you.