If you’re planning to buy a shed or build one yourself, you’ll have to think about many things. You’ll need to decide where to build it, how much space it will take up, and what materials you’ll use. You might even want to add extra features, like a window or a door. But no matter how much research you do, one thing might be on your mind: what happens if your shed is damaged or destroyed?

At Sound Choice Insurance Agency Inc., we’re here to help you protect your home and belongings, including your shed. If you have a shed on your property in Lynnwood, WA, read more to learn how we can help you protect it.

Understanding "Other Structures" Coverage

You might already know that your homeowner’s policy covers your home and the things inside it. But did you know that it also covers other structures on your property?

Most homeowner’s policies have an ‘other structures’ coverage covering the costs of repairing damage to structures other than your home. These can include fences, detached garages, and, yes, sheds.

This vital coverage protects your other structures from the perils affecting your home. For example, if a fire damages your shed, the insurer will pay to repair or replace it as if your home was damaged.

Other structures’ coverage limit is about 10% of your home’s dwelling coverage. However, this coverage can be higher or lower depending on the policy. You can find out more about this coverage by contacting your local Lynnwood, WA, insurance agent. Contact Sound Choice Insurance Agency Inc. today.