What Structures are Covered by Home Insurance?

Most homeowners know their house is insured, but many are surprised by what else their policy covers, and by the limits that apply. Understanding these distinctions prevents unwelcome surprises when you file a claim.

Dwelling vs. Other Structures

Your policy's dwelling coverage (often called Coverage A) protects the main house and anything attached to it, such as a garage or deck. Detached structures fall under a separate category (Coverage B), which is typically capped at around ten percent of your dwelling limit.

Commonly Covered Detached Structures

• Detached garages and carports
• Sheds and storage buildings
• Fences, driveways, and walkways
• Gazebos, pergolas, and guest houses

Pools, fences, and outbuildings are frequently undervalued in insurer estimates after a storm. If you suspect a settlement overlooks part of your property, have it reviewed. Crossroads Insurance Recovery Advocates makes sure every covered structure is accounted for in your claim.