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KC Wilson Insurance & Financial Services LLC

1654 The Alameda, Suite 210
San Jose, CA 95126

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Is My Shed Covered By My Home Insurance Policy?

In California, including San Jose, CA, homeowners insurance is broken down into six sections: A-F. These sections cover the main dwelling, other structures, personal property, loss of use, personal liability, and medical payments. At KC Wilson Insurance & Financial Services, we’re here to help you understand the practical implications for you and your homeowner’s insurance policy. If you’re wondering if your homeowner’s insurance policy covers your shed, there’s good news!  

Home Insurance Shed Coverage 

Coverage B—other structures—covers detached structures on your property, such as a shed. This means that your home insurance policy covers your shed. It is important to note that this coverage is typically only 10% of Coverage A’s coverage limit, which is your main dwelling or home. This means if your main dwelling is insured at $250,000, your shed will be insured at $50,000. 

If you build a new shed that was not previously on your property, be sure to alert your policyholder and inquire about the coverage to ensure you have the coverage you need. 

While sheds and other detached structures are covered under most home insurance policies, you may want to purchase additional coverage for these buildings, particularly if they are very valuable. In the coverage limit example given above, it would be a good idea to purchase additional insurance if your shed or other outbuildings are worth more than $50,000. Another option would be to increase the coverage limit for your main dwelling. 

If you live in or around San Jose, CA, contact KC Wilson Insurance & Financial Services to learn more about homeowners insurance. Every policy is different, and we will be able to talk to you about your situation’s best options. 


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