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insurance for sheds and garages

Do You Need Insurance for Sheds and Garages?

You’ve invested time and money into your shed or garage, but have you considered how to protect that investment? Many homeowners overlook the importance of insurance for sheds and garages. 

At Allen Portable Buildings, Inc., we specialize in portable buildings in Missouri. We understand the value of these structures on your property and why insuring them is crucial to protect your investment. In this guide, we explain the intricacies of insurance for sheds and garages.

Why You Need Shed and Garage Insurance

Some of the most valuable items you own, like bicycles, lawnmowers, and expensive tools, find their home in your shed or garage. You might even transform these spaces into recreational areas, housing musical instruments, gym equipment, or home entertainment systems. 

Given the value of both the structure and its contents, purchasing adequate insurance for sheds and garages is paramount.

Beyond their functional use, well-maintained sheds enhance the overall value of your property. Whether you use them for storage, recreation, or work, these structures play a pivotal role in property valuation. Insuring them not only protects your investment but also ensures peace of mind.

Does Your Homeowners Insurance Cover Your Shed?

To fully safeguard structures on your property, such as a detached garage or shed, you’ll typically need both home contents insurance and buildings insurance. 

  • Buildings insurance covers the physical structure against unforeseen damages like fire or flooding. This includes the main house and any outbuildings, such as sheds and garages. 
  • Home contents insurance covers the items inside these structures up to a certain value. If the value of the items exceeds the coverage limits of your standard homeowner policy, you might need to consider additional protection.

What Does Insurance Not Cover?

While these types of home insurance often cover the structures and their contents, there are exceptions. For instance, your policy might limit coverage for mold damage or exclude this type of damage altogether. Sewer backups, sinkholes, and floods are other common exclusions.

It’s essential to thoroughly review your policy and understand these nuances. If you’re storing high-value items like bicycles, lock them inside the shed or garage.

Tips to Enhance Your Shed and Garage Insurance

To potentially lower your insurance premiums and ensure comprehensive coverage, consider improving the security of your outbuildings. Insurers often look favorably upon enhanced security measures, which can lead to better deals on your premiums. Regularly reviewing your policy, especially after adding new structures or making significant purchases, ensures your coverage keeps pace with the value of your assets.

Allen Portable Buildings, Inc. | Your Local Expert in Portable Buildings in Missouri

Insurance for sheds and garages is more than just a policy; it’s about safeguarding your cherished possessions and hard-earned investments. At Allen Portable Buildings, Inc., we’re committed to helping you understand the importance of this coverage.

If you want to find a trusted manufacturer for your next shed or garage, look no further. With our expertise and dedication, we ensure that every structure we offer is of the highest quality. For more information or to discuss your needs, call us at (866) 428-2873. Trust Allen Portable Buildings, Inc. to be your partner in securing your property’s future.

About Allen Portable Buildings, Inc.

Allen Portable Buildings, Inc. is a shed builder based out of Sikeston, MO with dealer locations throughout Southeast Missouri.  If you’re in our delivery area and interested in a new shed or portable buildings, we’d love to send you a quote!