Hot Tub Safety 101 | Protect Your Home, Guests, and Peace of Mind

March 10, 2025||inPersonal Insurance|home maintenance, home safety, hot tub, hot tub safety, personal insurance, personal umbrella policy

A hot tub can be a relaxing addition to your home, but it also comes with safety and liability concerns. Proper maintenance and safety precautions help prevent injuries, health risks, and potential insurance issues.

As a homeowner, taking proactive steps to secure and maintain your hot tub ensures a safe and enjoyable experience while protecting yourself from liability.

Hot Tub Safety 101 | Protect Your Home, Guests, and Peace of Mind
Click here to submit an inquiry to Murphy Insurance or call us at 800 222 8711

There are approximately 7.3 million hot tubs in the United States. Annually, hot tub-related health incidents account for an estimated 729 illnesses, 57 hospitalizations, and 2 to 3 deaths.

Understanding Liability and Insurance Considerations

Owning a hot tub increases your liability risk. You could be held responsible if someone is injured while using your hot tub. Homeowners insurance policies provide liability coverage, but it’s essential to check your policy limits and exclusions. You may need additional coverage, such as a personal umbrella insurance policy, to ensure adequate protection. Inform your insurance provider about your hot tub to confirm coverage and avoid any gaps that could leave you financially vulnerable.

Essential Hot Tub Safety Tips

  1. Supervise Children and Guests – Always supervise children and inexperienced users when using the hot tub. Consider installing a lockable cover to prevent unsupervised access.
  2. Maintain Proper Water Chemistry – Regularly check and balance water pH and chlorine or bromine levels to prevent bacteria growth and reduce the risk of skin irritation or infections.
  3. Set Safe Temperature Limits – Keep the water temperature below 104°F (40°C) to prevent overheating and dehydration. Prolonged exposure to excessively hot water can be dangerous, especially for young children, pregnant women, and individuals with certain medical conditions.
  4. Install Safety Features — Consider handrails, non-slip surfaces, and proper lighting to prevent slips and falls. GFCI-protected electrical outlets should always be used to reduce the risk of electrical hazards.
  5. Avoid Alcohol and Drugs – Consuming alcohol or drugs while using a hot tub increases the risk of accidents, including drowning, falls, and dehydration.
  6. Enforce a Safe Usage Policy – Establish and communicate hot tub rules with family members and guests. Prohibit diving, rough play, and prolonged use without breaks.
  7. Perform Regular Inspections and Maintenance – Check for leaks, damaged covers, and malfunctioning components. Schedule routine professional inspections to keep your hot tub in safe working condition.
  8. Know Emergency Procedures – Keep a phone nearby and educate family members on what to do in case of an emergency, such as fainting or drowning.

Hot tubs provide comfort and relaxation, but they require responsible ownership. By following safety guidelines and ensuring proper insurance coverage, you can enjoy your hot tub with peace of mind. Take steps today to secure your hot tub, protect your guests, and minimize liability risks. Contact us today for more information on how Murphy Insurance can help with your coverage needs.

Read Other Blog Posts

Car in traffic

Risks of Lowering Auto Coverage

Many drivers look to reduce their auto insurance premiums by lowering coverage or dropping parts of their policy altogether. While it’s true that cutting back can save a few dollars in the short term, the long-term consequences of being underinsured can be financially devastating—especially in the aftermath of a serious accident. Learn about ways you can save without exposing yourself to major financial risk.
Read more
Students

The Good Student Discount

Teens and young adults often face hefty auto insurance premiums because, statistically, new drivers are more likely to get into car accidents. However, most carriers offer a way to help offset some of this financial burden—a good student discount. Learn more about how to qualify.
Read more
Senior driver

Driving Safely As You Grow Older

As you get older and wiser, you might come to the realization that you just can’t do some things quite like you used to. When it comes to driving, it's important to stay safe and feel confident behind the wheel. Learn about smart driving tips for seniors and precautions to ensure your safety and that of those around you on the road.
Read more
MHM 1

Introducing the Murphy Insurance Homeowner’s Manual: Your Guide to Preventing Costly Home Repairs & Damages

Murphy Insurance Agency has launched a new Homeowner’s Manual designed to help you prevent costly home repairs and avoid common insurance claims. Backed by decades of real-world experience, this practical guide offers seasonal tips, safety advice, and a maintenance checklist to protect your home—and your wallet—all year long. Download your copy today!
Read more
Protecting Your Marlborough Home A Local Guide to Homeowners Insurance

Protecting Your Marlborough Home: A Local Guide to Homeowners Insurance

Thinking about homeowners' insurance in Marlborough, MA? Whether you're settling into your first home or reviewing your coverage, Murphy Insurance offers expert guidance and tailored protection designed for New England’s unique risks. Discover what’s included, what to expect, and how our local team can help you protect what matters most.
Read more
House with trees

10 Signs a Tree May Fall on Your Property

Trees can be valuable additions to any property; however, each year, fallen trees and branches cause millions of dollars in property damage. It is crucial to proactively recognize signs a tree may be at risk of falling to help prevent dangerous and costly accidents.
Read more
Renters Insurance in Medway, MA Protect Yourself Original

Renters Insurance in Medway, MA: Protect Yourself

Renting in Medway, MA offers convenience—but without renters insurance, your belongings may be at risk. While your landlord’s policy covers the building, it doesn’t protect your personal property or shield you from liability. Renters insurance provides affordable coverage for theft, fire, water damage, and personal liability. With options tailored to your needs, local agencies like Murphy Insurance make it easy to get covered.
Read more

Spring Clean Your Insurance: A Fresh Start for Your Policies

With Spring often comes spring cleaning. Have you ever thought about giving your insurance policies a little spring cleaning too? Just like your home, your insurance coverage needs attention and regular updates to ensure it’s still a good fit for your current needs.
Read more
What to Do When a Hurricane Threatens

Get Ready for Hurricane Season in New England: What You Need to Know

While New England is not typically directly in the hurricane "strike zone" like the Gulf Coast or the Southeast, that doesn’t mean we’re immune to the dangers of hurricanes and tropical storms. With that in mind, it's important to have a plan as hurricane season approaches and be sure you understand your insurance coverage.
Read more

Visit Our Personal Insurance Page

Personal Insurance

Life is an ever-changing journey, and it deserves a thoughtful, comprehensive plan to protect the things and people that matter most. Our dedicated team at Murphy Insurance is here to assist you in creating that plan. With a wide range of product options at our disposal, we ensure that your plan is tailored precisely to your requirements. Our commitment to providing clear, intelligent guidance to help you achieve true peace of mind. Learn more about our personal insurance portfolio.