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 delayโcontact 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
Road Trip Through History: The Unexpected Story of the Interstate Highway System
From nuclear war to family road trips, the Interstate Highway System’s history is more surprising than you think
Independent Spirit, Independent Insurance: Why Your Business Needs an Independent Agent
Ditch the Captive Agent! Why Independent Insurance Agents are Your Business’s Best Superhero
Beyond the Funeral: 9 Reasons Why You Need More Life Insurance Than You Think
Life Insurance: Not Just for Buryin’! Unexpected Costs You Never Knew Were Covered
New Car, New Coverage? Navigating the Wild World of Auto Insurance
New Car? Don’t Get Stuck on the Side of the Road with Bad Insurance!
Renters Insurance: Your Secret Weapon Against Disaster (and Burglars!)
Beyond Broken Leases: Why Renters Insurance is Your Best Friend (and How to Get a Great Deal)
Flappers, Flights & Fizzy Fridays: The Roaring Twenties You Never Knew
Dive into the 1920s beyond the speakeasies! Explore the decade’s social shifts, technological marvels, and surprising connections to modern times.
Bundle Up and Save! The Ins and Outs of Business Insurance
Unsure about business insurance? Don’t be! Learn how bundling different coverages protects your company and puts money back in your pocket.
Life Insurance Myths Busted: Unveiling the Simple Truths Behind Financial Security
Considering life insurance but confused by the myths? We clear the air on common misconceptions and show you how to get simple, affordable coverage.
Buckle Up for Savings: How Car Safety Ratings Save You Money
Crash Test Your Cash Flow: How Car Safety Ratings Impact Insurance Rates
Pool Paradise or Premium Pain? The Splashing Truth About Pool Insurance
Dive into Savings: How Pools Affect Homeowners Insurance (and How to Stay Afloat)