Summer is the season for home projects. Whether you’re installing a new fence, adding a gazebo, building a detached garage, or finally putting in that swimming pool, it’s important to remember that these additions may increase the value of your property—and your homeowners insurance should keep up.
Many homeowners policies include Other Structures Coverage (Coverage B), which protects structures on your property that are not attached to your home. This coverage typically starts at about 10% of your home’s dwelling coverage, but that amount may not be enough if you’ve made significant improvements.
What Counts as an “Other Structure”?
Examples include:
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Detached garages
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Storage sheds
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Gazebos and pergolas
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Fences
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Pool houses
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In-ground swimming pools
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Detached workshops
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Retaining walls and driveways in some cases
Why It Matters
Imagine adding:
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A $20,000 swimming pool
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A $15,000 vinyl fence
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A $30,000 detached garage
Without reviewing your policy, you may not have enough coverage to rebuild these structures after a fire, windstorm, or other covered loss. In a major claim, inadequate limits can leave you paying thousands of dollars out of pocket.
A Quick Insurance Checkup Can Prevent Surprises
Any time you:
✔ Install a fence
✔ Add a shed or detached garage
✔ Build a gazebo or pergola
✔ Add a pool or hot tub
✔ Construct an outdoor kitchen or pool house
✔ Complete major landscaping projects
it’s a good idea to contact your insurance agent. A simple review can ensure your policy reflects the current value of your property.
Protect What You’ve Built
Homeowners insurance is designed to protect more than just the house itself. As your property changes, your coverage should change too. Before starting your next backyard project, take a few minutes to review your policy and make sure your “other structures” coverage is keeping pace with your investment.
A quick phone call today can help avoid a costly surprise tomorrow. Call Gallen Insurance today at 610-777-4123.
