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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. 

 

Home Insurance: Understanding What’s Really Covered

Buying a home is an exhilarating time, and when you choose a place you love, it’s understandable that you want to protect it. Fortunately, KC Wilson Insurance & Financial Services is available to help you do that. If you’re in or around the San Jose, CA area and you need home insurance, we’re here to make it is easier for you to get the policy you need, and that works for you. You don’t have to settle for a policy that might not give you good coverage or one that doesn’t give you peace of mind. Instead, you can choose something that’s a far better option for your needs.

A good insurance policy for your home protects it in several ways and works toward making sure any kind of claim you might have will be covered, so you don’t have to worry. It’s easy to be concerned about a large asset like a home, but that concern melts away when you know your insurance is offering exactly what you need in the way of a policy with strong protection that you can rely on. Your most important goal when choosing insurance for your home is understanding exactly what’s actually being covered, and we can help with that.

If you’re in or around San Jose, CA, and you need home insurance, reach out to us at KC Wilson Insurance & Financial Services today. We’ll help you find the policy that will work for you and provide the type and level of coverage you’re looking for. You don’t have to deal with sub-par coverage or many unanswered questions when it’s easier for you to work with a company that will make sure you’re getting the protection that you and your home deserve. We’ll be here to make sure you know what’s really covered by the policy you choose.

Is Home Insurance Really Necessary?

Even though legally it is not required to have home insurance in California, those who have a mortgage will have to get some coverage according to a lender’s requirements. KC Wilson & Financial Services in San Jose, CA has also prepared you with the list of other reasons about why home insurance is something that you, as a homeowner, really need: 

Anything Can Happen

You never know what can happen to your house, and you need to protect it. For example, natural disasters, including floods and wildfires, are frequent in California. According to the statistics, every year, 1 in 250 homes suffer losses due to fires, and approximately 1 in 55 households are affected by floods. It really can happen to you. However, if you have home insurance, you know that all financial losses will be covered, so you have nothing to worry about. It is important to understand that a home policy will not protect you from flooding or earthquakes. Work with an agent to make sure your home is fully covered.

It Is Not Only About a House

If you have home insurance, your personal belongings will be covered as well. Therefore, if any of your furniture, electronics, clothing, or appliances were stolen or destroyed, an insurance company will reimburse you for their value. The best thing is that your personal belongings will be protected anywhere in the world  – whether they are in a house, at work, in a car, or somewhere else. 

Your Liability is Also Protected

Let’s say someone got hurt on your property, and you are responsible for the accident. Medical bills might be quite pricey, and paying them off may cost you a fortune. However, if you have home insurance, you are safe, and your insurance company will cover all the expenses related to the accident. 

If you still have any doubts or questions about home insurance, KC Wilson & Financial Services in San Jose, CA will be more than happy to provide you with all the necessary information. Call our company today to find the most comprehensive and affordable coverage for your house and yourself.

Our Partners:

  • Allianz
  • AmTrust
  • ASI
  • Chubb
  • CNA
  • CSE
  • Encompass
  • First American
  • Foremost
  • Great American
  • Guard
  • Hagerty
  • Hanover
  • Hartford
  • Hartford AARP
  • Kemper Preferred
  • Liberty Mutual
  • Mapfre
  • Markel
  • Mercury
  • MetLife