Home insurance in Clarinda, IA, can help ensure your home is safe to live in. Many policies have optional add-ons, such as flood or hurricane insurance. All of these work together to ensure you’re comfortable and secure. It’s essential to determine whether detached structures are covered before a catastrophe occurs.
Standard Policies
Standard policies typically cover the home and attached structures. For example, they often cover driveways, attached garages, and even fences. To some extent, they may also cover detached structures, but this depends on the company. Many companies require additional coverage for structures like sheds and garages. Ask an agent at Sump Insurance whether your policy includes additional structures.
Additional Structures
Many companies require additional coverage for detached structures because many homes don’t have them. They don’t want homeowners to have higher-than-necessary coverage limits or monthly premiums, so they don’t require them to pay for additional coverage for the structure.
That’s why it’s often available as an add-on: so homeowners who need that type of home insurance can still acquire it, but those who don’t aren’t required to pay for it. This portion of your policy will cover sheds, garages, gazebos, and anything else considered a structure on your property.
Typically, this coverage includes the same covered perils as your standard home insurance policy. For example, if your policy explicitly excludes floods, those won’t be covered under your additional structures portion either.
Professional agents at Sump Insurance will be happy to answer any questions you have about your coverage. We”’ review your policy with you. Contact us to learn more. We’re currently serving the Clarinda, IA, area.
