Does Homeowners Insurance Cover My Detached Garage?

Ever wondered if your homeowner's insurance policy extends to cover that valuable detached garage on your property? Many homeowners assume their entire property is covered, but the specifics can be surprising. This video dives into the crucial details you need to know about protecting your separate structures. In this essential guide, you'll discover: ► Whether standard homeowners insurance automatically includes coverage for detached structures like garages or sheds. ► Key limitations or exclusions that might apply to your detached garage, such as specific types of damage or items stored inside. ► How 'Other Structures' coverage works and what percentage of your dwelling coverage typically applies to these separate buildings. ► The importance of reviewing your policy documents and potentially adding endorsements for comprehensive protection. ► Situations where you might need a separate policy or higher limits, especially if your detached garage holds high-value items or serves a business purpose. #HomeownersInsurance, #DetachedGarage, #InsuranceCoverage, #PropertyInsurance, #InsuranceTips, #FinancialPlanning, #ImmigrantFinanceCoach