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Arkansas Insurance Blog

Can You Add Your Garage and Other Structures to a Home Insurance Policy?

You just added a new garage to your property or have a variety of different storage sheds that you want to protect with your home insurance. But is this possible? Adams Insurance & Financial can help Northwest Arkansas residents understand their rights and what kind of protection is possible for their needs.

Understanding Your Garage Coverage 

Your home insurance should cover the various structures on your property, as long as your policy was purchased with these items on the property. However, adding new structures will change the value of your property, meaning that your coverage may not help you if these structures go over the worth of your current policy. This situation often happens when you add things like:

  • Garages on your home that increase property value
  • Buildings you may rent out to others 
  • Storage sheds where you can place many types of equipment 
  • Other types of storage options

These types of addiction coverage options can be added to your home insurance policy to protect you. Typically, they are only necessary after your insurance policy has been purchased based on your current home value. However, it is also possible to change your insurance policy based on your new house value, if necessary. Doing so can help to ensure that you get the best level of home insurance. 

Don’t Let Your Garage Get Damaged 

As you can see, it is possible to protect your Northwest Arkansas garage using high-quality home insurance. But if you’re still confused about this situation and aren’t sure what to expect, it is a good idea to talk to us at Adams Insurance & Financial right away to learn more. Our team will help sort through your situation and provide the help necessary to understand your insurance needs as a person better.

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