Does Homeowners Insurance Cover A Shed?

1. 

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   Ted Ratliff

   Owner, SFS Associates,

   Most policies cover other structures including a shed, garage or barn for the same perils as the home.  The amount of coverage is usually around 10% of the dwelling, so a home insured for $100,000 would have coverage on the shed of about $10,000.  Evey company has minor differences so make sure you check you policy or ask your agent to review the particulars of your policy.

   Answered on June 16, 2013

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2. 

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   Tom Sheehan

   Agency Owner, The Thomas G Sheehan Agency, 27 Glen Road Sandy Hook, CT 06482

   In many cases, Homeowners' Insurance policies will extend coverage to other structures on your property and this would include a shed.  As your Insurance Professional about this coverage in your policy and about any limitations that may be involved.  Usually the coverage is limited to 10% of the current dwelling amount and of course subject to your property deductible.

   Answered on July 15, 2014

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