One of the most important things about your home insurance is that more than your house is covered in the policy. Any time you decide to add a structure to your property, all you need to do is update it with your insurance company, and it will carry the same protection as your home.
Types of Eligible Structures
The list of structures that you can get insured on your property is probably longer than you may think.
- Pool/Guest House
- Detached Patio
If you have added one of the above structures to your home recently, they can be covered with the same protection as your home. Because they are located on the home property, they are considered a part of the home and could face damages similar to your home in the event of a tragedy.
Adding The Structure To Your Insurance
Since most of these structures require some form of building permit, you should reach out to your insurance company at the time of construction and let them know that a structure is being built. Provide this record of the structure being built so that any materials on the property being used are also protected. Materials can be stolen or even damaged in a fire and will need to be replaced.
Once the structure is completed, you will need to take pictures of the structure and send them to your insurance company. Depending on the size and type of structure, you may have an agent come out for their own pictures and records. The approved structure is added immediately to your policy.
If you are in the Des Moines, IA area and need home insurance, contact one of our agents at Max Insurance LLC today for more information and to get your personalized quote.