At Kimble Brown Insurance Agency in Southlake, TX, we ensure that every part of your home eligible for coverage is protected under our insurance policies. If your home has attached structures like a deck or garage, it can be confusing to determine whether your policy covers those structures. While each home insurance policy lists specialized terms and limits unique to that policy, we can offer some general ideas about whether a home insurance policy might cover those structures.

Does Home Insurance Cover the Garage and Attached Structures?

When your home has an attached garage or deck, discussing how this may affect your home insurance policy is a good idea. Since these structures are attached to your home, damage to them could also affect your home. Without a plan for covering emergency expenses in case of qualifying damage, you could find yourself facing not only a disaster in your living environment but also a financial disaster.

The good news is that most home insurance policies provide some coverage for attached structures. Unattached garages and storage sheds may also be eligible for coverage under specific sections of your policy. Home insurance is unlikely to provide coverage and protection for structures that aren’t attached to the home, such as a guest house, trailer, or RV. Nevertheless, you can consult with one of our agents to explore how you can cover important items that don’t qualify for coverage under your home insurance policy, such as vehicles, valuables, and secondary dwellings.

To discover how our policies can meet your home coverage needs, contact Kimble Brown Insurance Agency in Southlake, TX today!