Your homeowner’s insurance covers many things. Homeowner insurance provides coverage from the structure of your home to your personal belongings. Homeowners’ insurance can be expansive, making it hard to know exactly what’s covered. Our Brandon, FL office at Runnels Insurance knows that a homeowners’ policy has many details that people may not be familiar with. We’re here to help.

What is Homeowners Insurance?

Homeowners insurance provides coverage for your home’s external and internal structures and any other structures on your property. Homeowners insurance also includes liability protection and medical coverage. However, every homeowner’s policy is specific. As a result, it’s a good idea to understand your homeowner’s policy thoroughly. Although many things are covered, there are some situations that your homeowners’ policy wouldn’t cover. Most policies have limits and stipulations concerning what’s covered.

Will my homeowner’s insurance cover my she-shed?

A standard homeowners insurance policy covers your home and any structure on your property. This includes sheds. There’s no need to purchase a separate policy for your shed because it should be covered under your existing homeowner’s policy. However, there are some circumstances where your shed’s damage may not be covered. If the damage occurred due to an action or incident not outlined as a covered event, you might have to cover the damage out of pocket. Your homeowner’s policy clearly outlines what’s covered. Also, an insurance agent could clearly outline what damage would be covered under your policy. If you have questions regarding coverage, call us. We’d be happy to discuss any issues or concerns you may have and provide answers.