Garages, sheds, and other residential structures may not be included in your home insurance policy’s coverage. To ensure these structures are protected, consider their value and purpose, then purchase the necessary insurance coverage accordingly.

Freestanding Structures

Frequently, a typical insurance policy doesn’t cover freestanding structures erected on residential or commercial property. Yet, these structures are just as susceptible to theft, vandalism, and damage as your primary residence. You can protect freestanding structures with liability protection, property damage, and loss coverage.

Building Value

Consider each structure’s value on your property. For instance, a shed or other buildings constructed with high-value material may warrant substantial insurance coverage. Ascertain the comprehensive value of each structure and then explore insurance coverage types designed to safeguard freestanding structures.

Function

Define each structure’s purpose. A structure may serve multiple functions, thereby increasing the risk of theft, injury, or damage. For example, if your residential garage stores vehicles and household goods, insurance coverage should protect the building and its items.

Suppose the garage doubles as a workshop. In that case, you may want to enhance your insurance policy with liability protection—it will cover injuries within the structure.

Get Home Insurance Advice in South Carolina

Arrange a consultation with one of our Rock Hill, SC agents. A Wil Plyler Insurance Agency representative will help you find the appropriate insurance tailored to your needs.