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May 25, 2022

Outdoor living tips with OMA Insurance¹

As a physician, you work hard – that’s why you deserve an outdoor oasis! Here are some things to consider including home insurance when planning your outdoor space this season.

When you’re not caring for patients, you could be relaxing in your outdoor oasis. If you’re planning on taking up a new outdoor project this season, here are some things to consider when planning your space.

Outdoor kitchens

A backyard kitchen is a great way to increase your home’s value and adds an entertainment space to your home while keeping you connected with your guests. When installing a backyard kitchen speak to your home insurer to ensure you have enough coverage to account for the increased value the kitchen adds to your home.

Outdoor fireplaces and fire pits

Fire pits extend your outdoor season by giving you a reason to get outside on cool summer nights and chilly fall evenings. Before buying or building your fire pit, you’ll need to review local fire codes to see if they are permitted in your neighbourhood. You can search your municipality’s website to find out if you can legally have a backyard fire and learn what the requirements are.

Children’s outdoor activity centres and playsets

A modern outdoor playset can create memories for you and your child that will last a lifetime. If possible, have it professionally installed so you know the play area is secure and safe. You’ll want to review your insurance policy to make sure you have enough liability coverage to cover the risk an outdoor swing set or other equipment can pose.

Outdoor ponds and fountains

A fountain or water feature can add a beautiful focal point to your backyard and provide a relaxing sanctuary. Water features are prone to freezing in the winter and electric wiring must be properly routed away from sources of moisture. Your insurance policy may not cover your water feature so speak with your insurer to learn what you are covered for.

Pools and hot tubs

Having a pool or a hot tub in your backyard is like having your own tropical resort at your doorstep. You’ll likely need extra insurance coverage since you are increasing the cost to rebuilding your home and taking on more risk by having a pool in your backyard. Always speak to your insurer before installing a pool. They can give you an idea of the risks and the additional coverages and premiums.

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1 Conditions apply. The OMA Home and Auto Insurance Program is underwritten by The Personal General Insurance Inc. in Quebec and by The Personal Insurance Company in all other provinces and territories.

These tips are provided for information and prevention purposes only. They are general in nature, and The Personal cannot be held liable for them. We recommend using caution and consulting an expert for comprehensive, tailored advice.