Home Page Group Health Individual Health Business Insurance Home and Auto Insurance

Blog by: Ken Mogren, CPCU

The typical home built today has an attached garage. In some neighborhoods, it’s even forbidden to have any detached structures. If that’s your situation, you probably don’t need to read any further. Your attached garage would be considered part of your house and would be covered by typical homeowners insurance policies.

But what if your garage is detached? Or what if you have a pool?  Or a shed?  Or a fence?  Those are what insurance companies call appurtenant structures and you might or might not be properly covered. It usually depends on the value of the structure(s).

It’s typical for a homeowners policy to automatically include, at no extra cost, an additional amount of insurance equal to 10% of the amount of insurance on your house. For example, a  house insured for $200,000 gets an additional $20,000 for other structures. For many people, the extra  10% is enough, but if you have a more valuable structure or multiple structures, you may need to  buy extra coverage. That’s easily done and not particularly expensive.

There are a couple of situations involving other structures  where  typical home insurance policies provide little or no coverage.  Outbuildings used for any business purpose are not covered and require special handling. Retaining walls are considered an appurtenant structure but most policies exclude the usual problem of collapse associated with these.

Posted 7:33 AM  View Comments

Tags: insurance
Share |


No Comments


Post a Comment
Name
Required
E-Mail
Required (Not Displayed)
Comment
Required


All comments are moderated and stripped of HTML.
Submission Validation
Required
CAPTCHA
Change the CAPTCHA codeSpeak the CAPTCHA code
 
Enter the Validation Code from above.
NOTICE: This blog and website are made available by the publisher for educational and informational purposes only. It is not be used as a substitute for competent insurance, legal, or tax advice from a licensed professional in your state. By using this blog site you understand that there is no broker client relationship between you and the blog and website publisher.
Blog Archive


View Mobile Version
HomeClaimsGet A QuoteContact Facebook Twitter LinkedIn Youtube Powered by Insurance Website Builder
174 Center Street | Winona, MN 55987
O: 507-452-3366 | TF: 800-657-4448
975 34th Avenue, Northwest Suite 302 | Rochester, MN 55901
O: 507-424-4400 | TF: 800-657-4448