Is my Garage Covered by my Homeowners Insurance Tampa Florida?

December 8, 2020

Now that we have cleared up if your deck is covered in your homeowners insurance Tampa Florida, next let’s look at the coverage on garages and detached storage buildings. Do you know what your homeowner’s insurance policy covers in the case of an unpredicted event? To make it easy HH Insurance has broken down what homeowners insurance policies typically cover in relation to your property’s storage buildings.

When you first think of homeowners insurance, it is appropriate to assume that your policy only covers your home. However, in most cases, it includes all of the buildings on your property and more. Whether you have an attached garage, a backyard shed, gazebo, or fence, all of these components of your home are covered from certain types of events and damage. A few common cases that are covered include: 

  • Damage from windstorms
  • Smoke or fire
  • Lightning strikes
  • Vandalism
  • Hail
  • Falling objects
  • Explosion
  • Damage by a motor vehicle
  • Damage by an aircraft
  • Snow, ice or sleet accumulation causing damage

While that may seem like a fair amount of protection, did the phrase “certain types” throw you for a loop? Yes, in fact insurance policies can range in what they cover, which means that damage coverage isn’t always guaranteed. While coverage ranges from state to state and company to company, there are a few occurrences that typically aren’t covered under your “dwelling” coverage. A few hazards are listed below: 

  • Mold and other maintenance damage
  • Sewage backup
  • Sinkholes and other damage caused by ground movement
  • Floods

Your homeowners insurance Tampa Florida policy explains exactly what is and is not covered by your insurance provider, including the minimum and maximum cost of damage. As a homeowner, you are able to alter the limits and coverage of your policy for greater protection. Evaluating your insurance policies with an annual review keeps your coverage from falling behind the value of your assets and your knowledge of coverage up to date. 

Another thing to consider when looking into protection for your storage buildings is asking your shed or garage company about warranties offered. Ensuring that you are not required to have a building permit for your storage building to be on your property, and guarantee that there is a sturdy and correct foundation. 

For more information or to adjust your homeowners insurance Tampa Florida with HH Insurance, contact your agent today to get started reviewing and adding additional coverage to your policy today. 

HH Insurance Tampa Homeowners Insurance

At HH Insurance, our team is focused on providing a world-class experience to you this holiday season and meeting your needs to be a great insurance partner. We work with exclusive insurance markets that deliver you better coverage at the lowest rates. Get in touch with us today to get the best Florida homeowners insurance Tampa FL insurance rates and coverage for any of your holiday mishaps. Our specialists are ready to answer all your questions.