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Other structures coverage protects the detached structures on your property. Learn about this type of coverage. Then, ensure that your home insurance policy provides adequate protection for each detached structure you own.
Detached Structures
The list below includes some detached structures you may want to add to your home insurance policy.
- Guest house
- Fence
- Garden shed
- Gazebo
- Pergola
- Mailbox
The items listed provide an idea of some of the detached structures that could be included in the coverage of other structures that are part of your home insurance policy. Of course, you may own additional detached structures that qualify, too.
Coverage Amount
Pick a coverage amount that would allow you to have damaged items replaced. Consider the fact that some detached structures could be permanently damaged. If you would like to have the opportunity to purchase replacement structures, select a higher coverage amount that will allow you to do so.
Damage
Your insurance papers will outline the type of damage that your insurance will cover. Standard perils will be covered, including windstorms, hailstorms, and fires.
In addition, planned events may also be covered. For instance, if someone with ill intent steals or defaces a structure that is on your property, your insurance will likely cover the incident. Familiarize yourself with your insurance coverage. This could better prepare you for filing an insurance claim in the future.
Contact Max Insurance LLC
Contact a Max Insurance LLC agent to discuss your home insurance policy. Our agents in Des Moines, IA, offer several home insurance products to protect your residential structures.
