Protecting Your Personal Oasis: Ensuring Coverage for Your Specialized Spaces
Protecting Your Personal Oasis: Ensuring Coverage for Your Specialized Spaces
When it comes to our homes, we all have our favorite places where we feel most comfortable. Some of us even have specific areas we’ve designed to suit our unique interests. Men, for instance, have long enjoyed the solace of a man-cave tucked away in a basement or a dedicated work area in the garage. Meanwhile, some women take pride in being the queen of the kitchen, while others create havens like sewing rooms, gardening spaces, or she-sheds. But have you ever wondered if these customized or upgraded areas are covered by your homeowners’ insurance policy? Let’s delve into the details.
Under most standard homeowners’ insurance policies, any room within the house and its contents are covered, subject to the policy limits. However, what happens if you have a detached structure like a he-shed or a she-shed? Generally speaking, outdoor structures such as gazebos, fences, and sheds are covered by homeowners’ insurance policies, provided they fall within the policy’s limits and are insured against covered perils. These covered perils typically include wind and storm damage, falling trees, and fire incidents. However, it’s important to note that calamities like flooding, insect damage, or damage due to poor maintenance may not be covered for these structures.
Moreover, it’s crucial to understand that a separate structure is only covered up to a certain percentage of the value of the main structure on the property. This means that if you have an extensive he-shed or she-shed, complete with numerous features and amenities, it may potentially exceed the coverage limits of a more modest home insurance policy. To ensure you have adequate coverage, it’s always wise to have a discussion with your independent insurance agent.
Many homeowners make upgrades to their homes and properties without considering the impact on their homeowners’ insurance. Whether it’s upgrading the roof, adding a fence, building a deck or sunroom, or renovating a master bath, these improvements can significantly increase the value of your home. That’s why conducting a homeowners’ insurance policy review becomes crucial. A review allows you to stay on top of your coverage and ensure there are no gaps in protection. To schedule a complimentary and no-obligation insurance review, simply reach out to one of our professionals. As independent agents, they have the expertise to review policies from any issuing company. If desired, they can also provide an updated quote that may offer better coverage at the same or even a better price. Don’t delay—contact us today to secure the protection you deserve for your personal oasis.
Do you have questions about your insurance? Find an insurance agent near you with our Agent Finder
Search All Blogs
Search All Blogs
Read More Blogs
Steering Your Savings: Taking Control of Your Car Insurance Rates
You’re in the driver’s seat! Learn how your credit, driving habits, vehicle choice, and smart shopping can lower your car insurance costs.
Underfoot Upgrade: Transforming Your Garage Floor from Forgotten to Fantastic
Don’t ignore your garage floor! Discover easy and impactful ways to upgrade this often-neglected area of your home.
Unwrapping the Wiener: A Deep Dive into the History and Lore of the Hot Dog
Beyond the bun: Discover the surprising history, varieties, and enduring appeal of America’s favorite tubular treat.
The Untapped Power of Collaboration: Why Asking for Help Fuels Business Success
Stop going it alone! Discover how leveraging the expertise of others can relieve pressure and drive your business forward.
Navigating the Grandparenting Journey: Understanding Today’s Families
Grandparenting today: Learn key shifts in family dynamics to build stronger connections with your children and grandchildren.
Mapping Our Paths: The Fascinating Reasons Behind Our Road Networks
The story behind the asphalt: Explore the geographical, historical, and planning influences that shaped our modern road systems.
Neighborly Navigations: Resolving Disputes in Non-HOA Communities
No HOA, no problem? Learn how to navigate neighborly disputes effectively in communities without formal management.
Vintage Years of Vision: Four Times Hollywood Hit Cinematic Gold
Like fine wines, certain years in film history stand out for their exceptional quality and the enduring impact of the movies they produced. This article explores four such landmark years, presented chronologically, that many cinephiles consider to be among the greatest in cinematic history.
Green Means Growth: How Environmental Responsibility Can Boost Your Business
It might seem like a secondary concern when facing immediate business challenges, but embracing environmentally friendly practices can actually be a powerful strategy for improving sales, attracting top talent, strengthening your brand, and even saving money. This article explores the tangible benefits of going green for your company’s bottom line and long-term success.
The Forgotten Beauty: Unearthing the Story of the Volkswagen Karmann Ghia
Beyond the iconic Beetle and the groovy Microbus, Volkswagen produced a surprisingly elegant and often overlooked sports car: the Karmann Ghia. This article explores the history, design, and enduring appeal of this “poor man’s sportscar” that has become a sought-after collectible.