We are currently breaking down homeowners insurance policies to make them easier to understand. Last week we discussed Part A: the Dwelling Coverage. This week we will discuss Part B: the Other Structures coverage.
Whether you live in Brandon, Lithia, Valrico or Riverview, your homeowners insurance policy will have coverage for “Other Structures” unless you request to have it deleted. This coverage protects structures that are not connected to your house. These structures could include a shed, your driveway, mail box or fence. A swimming pool could be protected under this coverage if it is not in a screened enclosure that is attached to your house. If it is in an attached screened enclosure, then most companies will cover the pool with the Dwelling coverage.
If you have any Other Structures that are worth a considerable value, you will want to discuss these structures with your agent when reviewing your homeowners insurance policy. It is not uncommon in Riverview, Brandon, Valrico or Lithia to see Horse Stables that need insurance protection. Our agents are happy to review your homeowners insurance coverage with you. You can call us at 813-654-8472, or you can stop by our location at 601 Lithia Pinecrest Rd Brandon FL 33511.