Will Home Insurance Cover A Tool Shed?

Home insurance can cover a tool shed, but it doesn’t need to. When you call Blanchard Insurance to insure your Altamonte Springs, FL, be clear about what you want to insure and what you don’t.

Other structures on your home that you might want to consider covering or excluding would be:

  • Dog houses
  • Carports
  • Freestanding garages
  • Guest homes
  • Trailers
  • Playhouses and treehouses

The question to consider: If a tree falls on it, are you going to make a claim? If the answer is no, then it might not be worth paying the extra in premiums to get it covered. Some examples, like guest homes, are no-brainers. Of course you want to protect a guest home or a free-standing garage. But a dog house that cost you fifty dollars in lumber and an hour in labor, maybe not.

The only thing your home insurance really needs to cover is your home. You don’t even need to cover all of your possessions if you don’t want to. It comes down to what you’re willing to cover yourself should something happen, and what you’ll need a little help with. That’s why we generally make sure that our TVs and appliances and jewelry are covered on our home insurance, but we’re not so worried about that ten dollar pair of slippers or the twelve dollar bathrobe we got from Wal-Mart.

If you’re looking to get your Altamonte Springs, FL home covered with a good insurance policy, give Blanchard Insurance a call and see what they can do for you. You don’t have to cover every tool shed and dog house on your property, but you do want to cover your home and your most valuable possessions.