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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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