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

Generic filters

Buzz Your
Insurance Agent

Search for a local agent with our agent finder map.

Agent Finder

Want to learn more about our blog writer?

Read more about KayLynn's background.

Click Here

Search All Blogs

Generic filters

Read More Blogs

Finding Your Financial Foundation: Understanding the Minimum Life Insurance You Need

What’s the minimum life insurance you really need? Learn about covering final expenses, debts, and providing immediate financial relief for your family.

The Century-Long Rumble: The Epic Rivalry Between Ford and Chevy

Relive the classic Ford vs. Chevy rivalry, from the Model T era to the Mustang vs. Camaro showdown and today’s truck dominance.

Living Large: Peeking at the United States’ Most Outlandishly Expensive Homes

Explore the incredible world of ultra-luxury real estate with a look at some of the most expensive homes recently sold in the United States.

Curious Origins: Unraveling the Stories Behind Everyday Phrases

Uncover the surprising stories behind everyday phrases like “holy Toledo,” “crocodile tears,” “jaywalking,” and more!

The Unprotected Majority: Why Business Insurance Isn’t a Luxury, It’s a Necessity

Don’t gamble with your business! Learn why business insurance is a critical investment, not a luxury, and how affordable coverage can safeguard your future.

Declutter Your Life: Beyond the Physical to a More Streamlined Existence

Tired of clutter? Discover actionable tips to declutter not just your belongings, but also your finances and digital life for a more streamlined and stress-free life.

Decoding the Fine Print: 4 Essential Auto Insurance Terms You Need to Know

Demystify auto insurance! Understand the real meaning behind state minimums, uninsured motorist, no-fault, and full coverage to protect yourself on the road.

Apartment Living Made Easy: Essential Tips for a Smooth Move and Happy Tenancy

Moving into an apartment? Get smart with these essential tips on landlords, leases, parking, documentation, and the crucial need for renters insurance.

The Heart of the Game on Screen: Celebrating Iconic Sports Movies

Relive the magic of iconic sports movies like “Hoosiers,” “Field of Dreams,” “Brian’s Song,” and more, celebrating the unforgettable stories and moments they brought to the screen.

What’s Your Slice of the Pie? Uncovering Your True Market Share

Curious about your market share? Learn a simple method using online research to estimate your potential and understand your local market landscape.