You may know that homeowner’s insurance typically covers houses or other designated dwellings. Still, our team at Kimberly J Brennan Agency Patterson serving New York and Patterson, NY knows that it can be confusing to figure out what structures are covered by a home insurance policy. Some homeowners may have attached structures on their property such as a garage, deck, or even an unattached shed that could cause one to doubt whether those structures are protected by the policy.
Without training in the insurance industry, the average homeowner may have misconceptions about what insurance policies can cover. To make things more complicated, every home insurance policy has different terms that may exclude some aspects of the property from coverage. The only way to know for certain whether an attached structure or part of a property remains protected by an insurance policy is to speak with an agent at our office or read the terms of your policy. We’re always happy to answer questions like this when our clients call us on the phone or stop by our office.
Does Home Insurance Cover Attached Structures?
If your house has an attached structure like a garage, deck, or in-laws suite, part of your home coverage may be able to cover that structure. If that structure is damaged through a qualifying event or belongings that qualify for coverage are stolen from that area, you may be able to get assistance with the cost of recovering from that incident through your insurance policy. Before you bank on your insurance company covering that structure, you should ask a qualified insurance professional at our agency to confirm and explain what’s covered.
To protect your home, call our team at Kimberly J Brennan Agency Patterson, serving Patterson, NY and New York.
