When you think about home insurance, you probably picture your house itself—the walls, roof, and everything inside. But did you know your policy might also cover other structures on your property? At Insuran LLC, proudly providing home insurance to homeowners throughout Central Ohio, we believe it’s important to understand exactly what your home insurance protects so you can feel confident about your coverage.
Other Structures on Your Property
Most standard home insurance policies include coverage for "other structures" on your property, which are separate from your main house. These might consist of detached garages, sheds, fences, gazebos, or even a backyard workshop. Essentially, any structure that isn’t directly connected to your home falls into this category.
For example, if a storm knocks over a tree and damages your fence or your shed is vandalized, your home insurance policy may help cover the repair or replacement costs. However, the amount of coverage for these structures is typically a percentage of your home’s insured value—often around 10%.
What’s Not Covered?
It’s important to note that not all structures may be covered under your standard policy. For instance, you may need additional coverage if you use a detached building for business purposes, like running a workshop or storing inventory. Always review your policy and discuss your specific needs with an insurance professional.
Protect Your Entire Property
Your home is more than just the house itself—it’s everything that makes your property feel like home. Suppose you have questions about what your policy covers or want to explore additional protection, contact Insuran LLC, serving the greater Central Ohio region. Our team is here to help ensure every part of your property is fully protected.
