Detached Garages, Sheds and Barns: Are They Covered Under Standard Pennsylvania Home Policies?

Your Pennsylvania property may have detached structures that need financial protection. Fortunately, Dunton Insurance Agency can help you secure homeowners insurance that may address losses related to them.

Does Standard Home Insurance Cover Detached Structures?

Standard homeowners insurance policies typically include coverage for “other structures.” This means that detached garages, sheds, barns, fences and similar buildings on your property may be covered for certain risks, such as fire, wind, theft or vandalism. However, there are crucial details to keep in mind:

• Coverage limits—The amount of financial protection for detached structures is usually a percentage of your main dwelling coverage.
• Covered perils—Flooding, earthquakes or certain types of damage are typically not included in standard policies. Perils included in your dwelling coverage will usually be covered by other structures coverage, although exclusions may apply.
• Usage restrictions—If you use a detached structure for business, farming or rental purposes, standard coverage may not apply. Specialized policies or endorsements may be needed.

When Do You Need Additional Coverage?

You may want to consider extra coverage if:

• You have high-value or custom-built outbuildings.
• Your detached structures are used for business or contain expensive equipment.
• You want coverage for risks excluded in a standard policy, such as floods or earthquakes.

Our team at Dunton Insurance Agency can help you review your current policy and explore options like increased limits, endorsements or separate policies for barns, workshops or other specialized buildings.

Contact Our Agency

Dunton Insurance Agency is here to help Pennsylvania homeowners find suitable policies that include appropriate coverage for detached structures. If you have questions about coverage or want to explore additional options, contact us today.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.