Are my backyard structures covered by home insurance?

Homeowners insurance is the primary insurance policy that protects your home and possessions against financial losses due to covered risks. It typically includes coverage for physical damage and loss of use of your home due to a covered occurrence. SafeChoice Insurance Agency wants to inform you of another aspect of homeowners insurance that Rochester, MN residents often overlook: coverage for other structures.

Protecting Structures Outside Your Home

Your home insurance policy not only protects your home but also protects other structures on your property. This can include fences and driveways. Detached structures may also be covered, including garages, sheds, and guest houses.

The types of structures that are protected by your policy depend on what your insurer considers a "structure" instead of "personal property." For example, if you have a detached garage, the "other structures" portion of your policy will protect the building itself, but not the contents inside. That means your vehicle and other belongings will depend on a different type of coverage.

Luckily, home insurance policies often contain an assortment of coverage options as a standard. Most of the time, other structures coverage is included. However, it’s important to examine your policy and discuss your options with your agent. Particularly if you have highly valuable or unique structures on your property whose cost might otherwise outweigh the limits of your policy.

Are you a resident of Rochester, MN interested in learning more about what a home insurance policy can cover? Are you getting a new outdoor structure for your property and want to ensure your existing policy covers it? Contact SafeChoice Insurance Agency by phone, email, or through our website to learn more!