Homeowners Insurance in Columbus, GA
Top Homeowners Insurance Questions About Detached Garages, Firepits, Pools, Trampolines, and More
Understanding the nuances of homeowners insurance is essential for protecting your property and avoiding unexpected out-of-pocket expenses. Features like detached garages, firepits, pools, and trampolines can add value and enjoyment to your home, but they also come with unique insurance considerations.
Here are some of the most common questions about home features and how they may impact your insurance policy.
Are Detached Garages Covered?
Detached garages may be covered under standard homeowners insurance (other structures coverage), but it’s essential to check the terms and conditions of your policy. If you remodel your garage or use it for business purposes, you must update your insurance coverage to reflect these changes.
Does Homeowners Insurance Cover Firepits?
Firepits can be a great addition to your backyard, but they also come with risks. This type of insurance may cover damage caused by a firepit, but there are often safety-related conditions. Check the specifics of your policy and always use fire pits, barbeques and grills according to local regulations.
What About Pools?
Pools are considered an “attractive nuisance,” meaning they can attract children and pose a risk of injury. Like detached garages, pools may be covered by “other structures” coverage within a home policy. Your homeowners policy may also provide liability coverage for injuries related to your pool.
Still, you may be required to install specific safety features to qualify for coverage, such as a perimeter fence and pool alarm.
Are Trampolines Covered?
Coverage for trampolines can vary widely between insurers. Some policies may exclude trampolines altogether, while others may cover them if certain safety precautions, such as a safety net, are in place.
Homeowners Insurance in Columbus, GA
It’s critical to understand what your homeowners insurance policy covers to avoid out-of-pocket expenses and financially protect your home and backyard. Kite Insurance Agency can review your policy and arrange personalized coverage. Contact us today for a homeowners insurance quote.