Does Home Insurance Cover A Detached Garage?

Obtaining home insurance is a must when you’re in Greeley, CO. It ensures that you have protection over your home and everything that’s in it. If you have a detached garage, it’s essential to know that it is adequately protected. At Maanen Insurance Group, we can make sure you have a policy that is built specifically for your needs.

What does home insurance include?

Home insurance policies are innately the same, at first. They include coverage of:

  • Your home
  • The belongings in your home
  • Liability

Depending on the policy, it may or may not include other structures on your property, such as a detached garage. This is why it’s critical that you ensure that it is covered. Otherwise, if it is damaged in a storm, a fire, or something else, it may be your financial responsibility to repair it.

Whether the garage was there when you bought the home or it was recently built, you have to be sure that the insurance company states that it’s covered as part of your policy. Otherwise, claims involving the detached garage can be denied.

What are insurance add-ons?

Some add-ons can be included in your home insurance policy to provide customization. This allows you to include other structures on your property, higher levels of coverage for expensive belongings, and even different types of damage, such as wind or flooding.

To ensure that your home insurance policy includes your detached garage and anything else that may be on your property, you can use insurance add-ons to build the policy to your specifications.

When you’re ready to customize a home insurance policy in Greeley, CO, contact us at Maanen Insurance Group. One of our knowledgeable insurance agents will provide recommendations and help you to build a policy.