Understanding Outbuildings: Are They Covered Under Home Insurance?
At Adams Insurance & Financial, we offer our services to individuals, families, and homeowners in the Northwest Arkansas area. We are here to address any queries related to your personal insurance coverage.
One common question we get concerns outbuildings – what are they, and are they included under a standard homeowners insurance policy?
What exactly are outbuildings?
Outbuildings refer to structures on your property that are separate from the main structure. This category encompasses storage sheds, workshops, gazebos, and even fences. Typically, outbuildings are unattached, freestanding structures covered under parameters similar to the main building.
Are these outbuildings covered under a home insurance policy?
Outbuildings are often covered for the same risks as the primary structure. These typically include storm damage, vandalism, fire damage, and theft. However, damage resulting from poor upkeep or infestations is generally not covered.
When should you contact your insurance agent regarding outbuildings?
If you add or remove an outbuilding on your property, it’s a good idea to inform your homeowner’s insurance agent. This ensures that your policy information is up to date and that you’re adequately covered. Similarly, if you set up an extensive outdoor playground that includes swings, a slide, or a playhouse, it’s best to inform your homeowners’ insurance provider.
Need an Arkansas Home Insurance quote? Get in touch with us!
Homeowners in Northwest Arkansas can secure their homes with insurance from Adams Insurance & Financial. We can review policies from any insurer and provide a quote. It’s advisable to get a homeowner’s insurance policy annually. If it’s been over a year, reach out to us and enjoy the protection and peace of mind you deserve.
