When most people think of their home, the first thing that comes to mind is probably the main structure, the house itself. However, in insurance, the home is far more complex than a single structure.
California homeowners often ask themselves what exactly their home insurance covers. Murvay Insurance can help them answer that question and any other questions related to home insurance.
What is covered by home insurance?
The primary type of homeowners policy sold in California has two main sections divided into several sub-categories. The first section can be thought of as the property coverage section. The second section covers liability. We will focus on the property coverage section to answer the question of detached structures.
What is covered by property insurance?
This section has two sub-categories: Dwelling and Other Structures.
Dwelling coverage is designed to protect your home from damages that may occur due to a covered peril. Covered perils include fire, lightning, windstorm, and hail. They also have certain types of vandalism.
Note: Some companies do not cover all of the example perils listed above. Always pay close attention to the exclusions that are listed in your policy.
Other Structures coverage is designed to protect your other structures not attached to your home. Things considered Other Structures include fences, sheds, outbuildings, and guest houses. These structures are protected against the same perils as your home. However, Other Structure’s coverage typically limits a certain percentage of your home’s coverage.
Are you a California resident with another question about home insurance? Reach out to the experts at Murvay Insurance today!