Not all of life’s problems are predictable, and you want to be covered just in case. Every property has different insurance needs. If your home has at least one other structure on its property, you want to make sure that it is covered by your homeowner’s insurance policy.
Kriener Insurance, which serves Woodbury, MN, understands your desire to protect all of your personal property. Here’s what you need to know when it comes to protecting structures on your land.
Homes Are Not the Only Structures You Want to Cover
There are plenty of structures you might have on your property, including a garage, guest house, shed, or personal gym. In many cases, a home insurance policy does cover other structures on the property designated for personal use. Likewise, homeowner’s insurance policies may encompass the personal items inside these buildings.
There are many exceptions, which is why it is crucial to discuss your home’s structures with an insurance agent. For example, different policies may have different stipulations for structures used for business purposes, even if they are on your personal property.
What Kind of Coverage Should You Consider?
Each insurance policy is different. No matter the kind of insurance you choose, you may want to consider coverage for personal property and liability for other structures on your land.
If you are still unsure if your home insurance policy will cover your entire property, you should speak with an insurance agent. A professional can tell you whether your office, tool shed, pool house or guest house is covered by your policy. Kriener Insurance helps residents of Woodbury, MN choose an insurance policy that suits their needs.