Will Home Insurance Replace A Gazebo?

Damage is rarely contained to a home when there’s a disaster in Fort Payne, AL. Your garage, gazebo, fence, and other structures can easily wind up destroyed. It’s always important to understand your policy to make sure you have the necessary coverage. 

Other Structures Coverage

Many home policies exclude structures that are not attached to the house, including gazebos, sheds, and detached garages. These structures are typically covered under something called other structures coverage. This type of coverage will help replace your gazebo. 

Coverage Limits

It’s important to note that there are always coverage limits. Other structures coverage will cover your garage, shed, gazebo, etc., but there are limits. If your coverage limits are $10,000, and that’s not enough to replace all of the other structures on your property, you’ll have to pay out of pocket for them. Speak with an agent at Attain Insurance to ensure you have adequate coverage. 

Notify Your Insurance Company

It’s always a good idea to contact your local agent if you add another structure to your property. If the company doesn’t know about the other structure, it may deny your claim. This is also a great way to make sure you have enough coverage in case something happens. Consider how much the total replacement cost would be before the phone call to ensure you have accurate information to give your agent. 

Agents here at Attain Insurance are always ready to help you learn more about your coverage. We’ll discuss your current coverage, and make the necessary adjustments to ensure your gazebo is covered. Contact us today to learn more about your options before disaster strikes. We’re currently serving the Fort Payne, AL area.