Most homeowner’s insurance policies provide six types of coverage. One of these, other structures coverage, is designed to insure outdoor structures. These include, but aren’t limited to, an outdoor pool, fence, gazebo, or detached garage.

Other Structures Coverage: What is and isn’t Covered?

Coverage varies depending on the policy you pick. That’s why reading the terms, conditions, and fine print before you sign on the dotted line is essential. Even so, you can expect that most other structures’ policies cover all forms of damage not explicitly excluded by the policy.

Even so, a Naples, FL, homeowner can sometimes be denied compensation. One of these is the failure to maintain an outdoor structure. Outdoor structures insurance doesn’t cover damage caused by poor upkeep or pests. Thus, you may find yourself out of luck if the structure was in poor condition before being damaged or destroyed by a disaster covered under your policy. For instance, your policy may cover fire damage, but your insurer may be reluctant to provide compensation if the agency finds that the fence has signs of pest infestation.

Normal wear and tear isn’t covered by outdoor structures insurance. However, if your structure is old but well-maintained, you should be able to file a claim if it’s damaged by a disaster covered under your policy.

Contact Pro America Insurance for More Information

Pro America Insurance provides expert advice and great insurance policy options to Naples, FL, homeowners from all walks of life. Call us at your convenience if you want to pick a policy, bundle a policy, or explore different types of insurance for your house.