Your homeowner’s insurance policy covers structures that are on your property but not adjacent to your home, such as a barn, detached garage, fence, and possibly a pool.
These structures will be covered if they are damaged or destroyed as a result of a hazard covered by your policy, such as a storm or fire.
If you operate a business away from home, your standard homeowners insurance policy may provide limited coverage.
The coverage amount is usually a percentage of the dwelling’s coverage limit.
Some policies cover the replacement cost, while others pay the actual cash value.
Sometimes replacement cost coverage applies to buildings while actual cash value coverage applies to structures that are not buildings.
If you don’t know what your policy covers, or if you’re unsure if you have enough coverage, review your policy or contact your insurance company or agent.
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