Not many individuals in Aurora, CO, besides All-Star Insurance Brokers Inc. staff, indulge in reading homeowners’ insurance policies. Those who do might occasionally stumble upon terms they find challenging to comprehend.

One such term is ‘outbuildings.’ Are they covered under a homeowners’ insurance policy? This post will provide some insights about outbuildings and their coverage under home insurance.

What Are Outbuildings?

Outbuildings are structures on an insured property that serve a purpose and hold value. These include an unattached garage, shed or sheds, and even fencing.

Are Outbuildings Covered Under a Homeowners’ Insurance Policy?

Yes, outbuildings are typically covered under most basic homeowners insurance policies. They are usually insured against the same perils as the primary structure.

Coverage Limits for Outbuildings.

Outbuilding coverage limits are generally a percentage of the main structure’s coverage. If there is a significant unattached structure on the property or one with substantial upgrades, homeowners may want to consider additional coverage to insure these structures to their full value.

Outbuilding Maintenance

It is essential to note that outbuildings must be adequately maintained to be fully covered. If damage occurs due to poor maintenance, such as rotting fencing, an infested wood shed, or wear and tear, it may not be covered.

Get the Answers to Your Questions

One advantage of being insured through All-Star Insurance Brokers Inc. is access to professionals who can answer your insurance inquiries. If you are a homeowner in the Aurora, CO, area, we invite you to contact us for a homeowner’s insurance review and price quote.