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Each detached structure on your residential property can be added to your home insurance policy. Conduct an assessment of your property, then choose home insurance products that will secure your property.
Detached Structures
- Primary residence
- Accessory dwelling unit (ADU)
- Shed
- Garage
- Workshop
The list above includes some detached structures that may be located on your residential land. Each structure should be considered and insured separately. Each structure can be listed on your home insurance policy.
Usage and Contents
Consider how you use each detached structure. A structure that is used daily may be more valuable to you than one that is used occasionally. Also, assess the contents of each structure.
Determine the overall value of the items stored within each detached structure. Items of value that are at risk of being stolen or damaged by a natural disaster should be added to your home insurance policy.
Track the items you wish to add to your policy. Record information about each item’s location, including specifics about which detached structure it is kept in.
Risk Factors
Are you prepared for a break-in, a flood, or another incident that could result in damage to a detached structure or the items stored within? If not, now is the time to consider the likelihood of such an event.
Your home insurance policy can include coverage for incidents you cannot control. The coverage will pay to repair or replace items stored within each structure.
Contact an Insurance Agent in Southeast Michigan
Contact one of our Atlas Insurance Agency representatives. They will be happy to discuss the home insurance coverage you are seeking.