Does home insurance cover my unattached shed and garage?

If you own a home in West Hartford, CT, you probably already have an existing homeowners insurance policy. Even though there are many details in your contract, you understand that your insurance will cover your losses in case of fire, theft, or some other kinds of catastrophes. An agent at StateChoice can help explain to you how to make an inventory so that if you needed to make a claim it would be easier to do so. Your insurance obviously covers the house itself, and items inside like furniture, clothing, appliances, and other personal items. But does a homeowners policy cover outside buildings?

In fact, your policy will cover the extent of your actual real estate. If someone falls on your walk and is injured, they may file a lawsuit or at least make a claim to recover damages. Your insurance company will help with that claim, including any legal fees you may incur from the incident.

As far as outside buildings, they will be covered also. It is important if you do have outside buildings, like unattached sheds or a garage, that you understand your particular insurance policy. There may be a limit to how much you can claim for the outside of buildings. You can consult your policy, and talk to your agent if you have any questions.

If you have outside, unattached buildings at your home in West Hartford, CT, it is important to make sure they are protected in case anything does happen. Please feel free to call StateChoice today to discuss your existing policy, and see if you would benefit from a change in policy limits.