Are detached structures like barns or sheds automatically covered under my homeowner’s insurance?
Most times detached structures are automatically covered by homeowners insurance. A lot of policies will include 10% of coverage automatically. So if you have your house insured for 300,000, the detached structures would be covered for 30,000.
In most cases, that’s gonna be enough coverage to cover your shed or fence. If you have a larger garage or some higher value detached structures, then that’s something that you probably would want to review and increase that amount of coverage if necessary. Most carriers will allow you to bump up that coverage for an additional premium and usually it’s not too expensive to do so.
We’d be happy to review your insurance coverage options with you! Give us a call at (610) 693-5000 or visit https://kathybarryagency.com.