Does homeowners insurance in Centennial, CO cover my shed and outbuildings?

You trust your homeowners’ policy to protect you in case anything ever happens, and the last thing you need in the event of a disaster is a surprise where you find out certain important properties aren’t protected. If you are in Centennial, CO, we at Compass Insurance can help you understand your current policy and see if you need to make any changes.

What Is Normally Covered?

Your homeowners’ policy is a contract, and most people pay the most attention to the coverage amount and the deductible. However, it is important to also pay attention to any limitations or exclusions. For instance, some policies don’t cover damages because of flooding, or injuries caused by inherently risky items like trampolines.

The physical structure of your home is covered, including the building itself and most of its contents. Your clothing, appliances, electronics, decorations, flooring, and everything else in your home should all be protected under your policy.

Making Sure Your Outbuildings Are Protected

When you purchased your policy, an agent probably obtained photographs of your home, and that would have included a picture of any structures on your property, like a shed or detached garage. These are considered part of your property, and they will normally be protected. If you added an outdoor structure after purchasing your homeowners’ policy, it wouldn’t hurt to inform your agent. There may also be limitations as to how much is covered for outdoor structures, so you should check your contract if you have any questions.

Just like with any other contract, you will be safest if you make sure any additional outbuildings are mentioned in your contract. If you live in Centennial, CO and are thinking about adding to your homeowners’ insurance, or if you just have any questions, call Compass Insurance today.