Are Backyard Structures Included In Home Insurance?

When you’re exploring home insurance for your home in Plymouth, MN, it’s important to look at what is and isn’t covered. There are several things covered in a traditional policy. However, you can choose to customize your policy – and that’s where Anchor Insurance Agency LLP can help. We can make sure that anything in and around your home is part of your policy.

A Basic Home Insurance Policy

When you buy home insurance, it is going to cover several things, including:

  • Basic dwelling
  • Personal belongings
  • Liability

However, backyard structures, including detached garages, sheds, and even hot tubs will not be covered in a standard policy. That doesn’t mean you can’t add them. These items can be added at any time once you have a policy so that, if something does happen, they can be part of the insurance claim that you make.

Covering Everything You Own

It’s important that a policy is customized to meet the needs of your home as well as your budget. If you have any kind of backyard structure, it should be a part of your policy. Otherwise, you run the risk of a claim being denied because you didn’t have sufficient protection. The structure could get damaged or it could be the thing that causes the damage. Either way, it should be on your policy.

Various riders and coverage increases can be encompassed within your policy. This is why it’s helpful to work with an independent insurance agent. We can build a policy that provides you with greater peace of mind. Plus, we can shop the various insurance companies that write policies in Minnesota to ensure that you get the coverage that you need.

Contact us at Anchor Insurance Agency LLP today to learn more about making sure that your home insurance encompasses everything on your property in Plymouth, MN.