Does Home Insurance Cover Outbuildings and Detached Garages?

If you have a detached garage, a storage shed or a workshop on your property, you may be wondering whether your homeowners insurance can financially protect those structures the way it protects your main dwelling. Most standard homeowners policies include some coverage for these structures, but the limits and exclusions vary.

What Is “Other Structures” Coverage?

Other structures coverage, also referred to as Coverage B, is the part of your homeowners policy that can cover buildings on your property that are not attached to your home. Common examples include:

• Detached garages
• Storage sheds and barns
• Fences and retaining walls
• Gazebos and pergolas
• Guest houses or workshops not used for business

This can cover the same risks listed under your main dwelling policy, such as fire, certain natural disasters, theft and vandalism.

Does It Have Coverage Limits?

Other structures coverage can be set at a specific percentage of your dwelling coverage limit. If you have high-value outbuildings, such as a large workshop with expensive tools or a finished garage, that percentage may fall short of what it would cost to rebuild.

Review your policy to confirm whether the limit aligns with the current replacement or reconstruction costs. Your insurer may allow you to increase this limit by adding an endorsement to your policy.

Why Does It Matter?

California homeowners may face several risks such as wildfires and severe storms. Having the right amount of coverage can help you make sure you aren’t paying out of pocket for major repairs.

Get Covered Today

Contact Hay Insurance Agency to review your current policy and request a personalized quote.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.