Home insurance is not legally required in Bloomfield, NJ, but most homeowners choose to carry coverage to protect their financial interests. While many people focus on insuring the main home, it is just as important to make sure other structures on the property, such as garages and sheds, are properly covered before a loss occurs.
Other Structures Coverage
Detached garages are typically covered under the “other structures” portion of a home insurance policy. This coverage usually applies to structures on your property that are not physically attached to the main house, such as detached garages, sheds, gazebos, and similar buildings. Some insurance companies also include fences under other structures coverage, since they are not usually attached to the home.
Other structures coverage may be optional or limited, depending on the policy. This allows homeowners to avoid paying for coverage they do not need. An agent at E.S.T.I.R. Inc. can help you confirm whether other structures coverage is included in your policy and whether your garage is adequately insured.
Are Attached Garages Covered?
Structures that are attached to the home are typically covered under the dwelling portion of a home insurance policy. This usually includes attached garages, decks, porches, and other structures that are physically connected to the house. Because these are considered part of the main dwelling, they generally receive the same level of coverage as the home itself.
Understanding Coverage Limits
Attached garages often have higher coverage limits because they are considered part of the dwelling. Detached structures, however, are commonly limited to a percentage of your dwelling coverage, often around 10%. If you store expensive tools, equipment, or other valuable items in your garage, it is important to calculate the cost of replacing everything after a total loss, such as a tornado or fire.
Once you have an estimate, contact the agents at E.S.T.I.R. Inc. We will review your current policy, confirm whether your coverage limits are sufficient, and discuss additional options if needed. Contact us today to make sure your property is fully protected. We proudly serve homeowners in Bloomfield, NJ.
