Aviva said there had been a 188% year-on-year increase in accidental damage claims for hot tubs in 2020.
Claims it accepted include a grass strimmer bursting an inflatable tub and an engagement ring ripping a lining.
The high-ticket items rocketed in popularity in 2020 as more people spent summer in the UK.
Last June, shopping platform eBay reported sales of hot tubs had increased by nearly five times. And, stock on Argos’s website remains limited, where hot tubs can cost up to £6,439.
But parasols falling into tubs have also caused customers trouble, as have birds pecking holes in their covers, according to Aviva.