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Colorado Insurance Blog

Will My Home Insurance Policy Cover My Newly-Built Fence or Shed?

As a homeowner, you likely want to make investments to improve your property both for you and maybe further down the line when you’re looking to sell. One common improvement Colorado homeowners make is to add structures like fences and sheds to their property. However, did you know that such structures are not always covered under a home insurance policy?

Here are the types of coverage you need to check for to see if such structures are included under your home insurance policy:

Coverage You Need to Insure a Newly-Built Fence, Shed, or Similar Yard Structure

  • Dwelling Coverage and Structures. Most standard policies have this at the center of their coverage, however, they may only include attached structures, such as a garage that was built with the home. This is the first part of your policy you should review with a knowledgeable agent like ours at Integrity First Insurance to ensure it also includes either automatic coverage for detached structures or limited coverage. 
  • Coverage Enhancements. If your standard home insurance policy doesn’t include detached structures, consider enhancing your coverage via an endorsement or rider. This will add a few dollars to your premium but can go a long way to giving you the assurance that your whole property is protected.
  • Umbrella Insurance. A third option to ensure your detached structures are insured is to purchase umbrella insurance, which is a type of insurance that is incredibly flexible and will offer a payout in the event of an existing policy (the home insurance in this case) doesn’t fully cover an accident. 

Learn More About Your Insurance Options With Integrity First Insurance

Whatever your Colorado insurance goals, our team at Integrity First Insurance is here to help. Contact us today and let our team go over your options and get you the best policy coverage for your household needs. 

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