Homeowners Insurance and Fences, Playhouses and She-Sheds

Homeowners Insurance and Fences, Playhouses and She-Sheds

We tend to view homeowners’ insurance as a loss protection product that limits financial damage in the event of a liability claim or if someone, or something, damages our home. Our home is our castle, after all, and the purpose of homeowner’s insurance is to protect that castle.

Our homes, however, are more than just a structure. Our homes are made of the contents, improvements, and the surrounding property. Our homes are a combination of everything contained on our property that makes living there feel so comfortable. This is why homeowners’ insurance is so valuable. We have spent time, money and effort in creating an enjoyable space. We want it protected.

Most of us are seeking to improve our lives and our homes. We may want to upgrade landscaping, build a privacy fence, add a playhouse for the kids or move forward with that exceptional She-Shed, Man-Cave or in-home theater. Will your homeowner’s insurance continue to provide the protection you need as you move through these improvements?

The answer is “perhaps”. But the fact is most of us don’t want to live with “maybe’s”. We want to know if, when and how we will be covered as we improve our property. This is why you should stay connected with your homeowners’ insurance and your independent insurance agent.

Whether you are making a major improvement to a kitchen, bath, adding a sunroom, building a fence or adding a playhouse or she-shed, you should notify your independent insurance agent. Your agent can advise you if your current coverage is sufficient or whether you should take further steps. They can alert you if you are approaching limits to your coverage that should be addressed.

When you improve your home, you are adding to its value, and potentially adding to your risk of loss. Your homeowners’ insurance limits should increase to reflect these improvements.

If you haven’t had a homeowners’ insurance review in recent years, and especially if you have made significant improvements to your home or property, contact us. Our independent agents can review the homeowners’ insurance policies of any company, and if you like, we can offer potentially money-saving alternatives. At the very least, we can show you where your current coverage may be lacking.  Contact us to schedule a no-obligation insurance review and to get a quote. Everything about your home is special. Make sure it is properly covered.


Do you have questions about your insurance? Find an insurance agent near you with our Agent Finder

Buzz Your
Insurance Agent

Search for a local agent with our agent finder map.

Agent Finder

Search All Blogs

Search
Generic filters
Exact matches only
Search in title
Search in content
Search in excerpt

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

Search
Generic filters
Exact matches only
Search in title
Search in content
Search in excerpt

The Role of Life Insurance in Business

Here is Why Life Insurance Can Play an Important Role in Your Organization

Should You Have Auto Insurance if You Don’t Own a Car?

You May Think You Don’t Need Auto Insurance if You Don’t Own a Car

Why You May Be Required to Carry Homeowners’ Insurance

It May Not Be Required By Law, But Homeowners’ Insurance May Still Be Mandatory

9 Ways Gas Stations Have Changed Since the 60’s

Service Superseded Snacks at Gas Stations in the 1960’s

Why a Non-Profit Needs Business Insurance

Non-Profit Organizations Are Under Similar Threats as For-Profit Companies.

Life Insurance vs Burial Insurance

Covering the Costs of a Burial and Final Expenses are Two Different Things.

VIN Numbers and How to Decipher Them

A VIN Serves as Your Vehcile’s Indentification

Proving Losses in a Homeowners’ Insurance Claim

It Will Be Up to You to Prove Losses in a Homeowners’ Insurance Claim

Tasks Those Under 21 May Not Know How to Do

Technology Changes Us and What We Need to Know to Get Along

Vehicles and Business Insurance

Business Vehicle Use is Not Black and White. Are You Covered?

Leave a Comment