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
Your Car’s Health Check: A DIY Guide to Safety and Maintenance
Simple DIY car checks for safety and maintenance.
Budget-Friendly Home Upgrades: 4 Ways to Boost Your Home’s Value and Appeal
Boost home value on a budget with these 4 DIY upgrades.
From Cutting-Edge to Clutter: Modern Antiques Hiding in Your Home
Uncover the surprising “antiques” in your tech drawer.
Unlocking Customer Loyalty with Smart Data
Turn customer data into your business superpower.
Is There an Age Limit for Life Insurance? Understanding Your Options
The truth about age and life insurance eligibility.
5 Automotive Icons That Sounded Destined for Greatness
Uncover the powerful names behind legendary cars.
7 Surprising Facts You Didn’t Know About Home Insurance
Unexpected insights into the world of home and renters insurance.
Still Living in the Stone Age? 7 Signs You’re Resisting Technology
Uncover your tech resistance and unlock modern convenience!
Beyond the Basics: 3 Unexpected Ways Business Insurance Protects Your Company
Unlock hidden benefits of smart business insurance.
Uncovering Life Insurance’s Most Intriguing Questions
Dig deeper into life insurance with these uncommon questions.