Exterior Structures Home Insurance Usually Covers

Typical homes have structures that are both attached to the home and detached from it. Some people do have freestanding structures like sheds and garages. Some of these types of structures may or may not be covered and it is a good idea to understand your homeowner’s policy to know if you need more coverage. Many policies will cover anything that is attached to the main home and will not require additional coverage unless the value of the property is significantly increased with additions.

Detached Structures

Some structures that may or may not be covered under homeowners insurance include things like fences, gazebos, and detached garages. While most homeowners insurance does cover these types of structures, there may be policies that don’t. These structures may require additional insurance depending upon your particular policy. The amount of coverage needed can change depending on if a structure greatly increases the overall value of the property. It is important to speak with your agent to determine what detached structures are insured should there be damage from incidents like falling trees or vandalism.

Attached Structures

Any structure that is attached to your home is typically covered by standard dwelling homeowners insurance. These types of structures include sunrooms, fences, and attached garages. It is best to understand what is covered to avoid unexpected additional costs should an incident occur and a structure needs to be repaired. 

If you are looking at getting additional coverage for detached structures, speaking with an agent can help you determine if this is necessary. The agents at Quest Financial and Insurance Services serving Twinsburg, OH can help you with a new homeowners policy or adding to an existing policy to suit your needs. Give us a call or stop in today to schedule an appointment with one of our friendly representatives to discuss all of your insurance needs.