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Posts made in June 2020


Make Sure Your Homeowners Insurance Covers Your Barn or Shed

Know what is covered by your homeowners insurance in Glendale, AZ. Many people have outbuildings such as sheds, garages, decks, and fences on their property, and they want to ensure these items are covered, should something happen.

The Basic Homeowners Policy

A general homeowners insurance policy will typically include the coverage for outbuildings and other related structures that are a part of your property. But what qualifies as a detached structure that would be included in this type of policy coverage? A structure mustn’t be attached to the home to be covered under this particular classification. Here are some of the types of structures that fall into the “Detached Structures” category of your policy.

  • Detached garages
  • Sheds
  • Pool house
  • Guesthouse
  • Fences
  • Decks
  • Tool Shed
  • Gazebo
  • Swing Set

Types of Outbuildings Not Covered Under the Policy

Homeowners insurance usually covers anything on your property that is not connected but still on your property. But there are exceptions. For example, anything not considered a purely residential structure will not be covered under your homeowners insurance policy. If there is a structure on your property where you house your animals, this will most likely be included in your coverage. However, if you house animals that are sold for profit and part of your business, then you will need to get a separate commercial policy to cover the structure. It’s best to double-check and ensure all buildings are covered by your policy, just in case.




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Commercial Insurance Coverage

People commonly ask, “What is commercial insurance coverage?”  The answer to that is, like many industries, there are two parts to the insurance industry. One part of the insurance industry is focused on serving the needs of individuals, and this is most often referred to as B2C or “business to consumer.”  But there is also a B2B side to the insurance industry, which is shorthand for “business to business.” This is when businesses provide services and products to other businesses. Commercial insurance in Peoria, AZ, is insurance coverage for businesses, and it is provided by the insurance businesses, which makes it part of the “B2B” sector.

What Commercial Insurance Covers

Keep in mind that commercial insurance coverage isn’t a product per se, rather, it’s a term used to define a specific set of insurance products that are designed to help businesses protect themselves from losses resulting from the risk of operating a business.  For a complete list of commercial insurance products, it’s best to consult with your insurance agent directly, but here are some of the more popular commercial insurance products:

  • Business Liability Insurance Products
  • Commercial General Liability Insurance
  • Commercial Property Insurance
  • E&O / Professional Liability Insurance


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