How Home Insurance Protects Your Outdoor Structures

Most homeowners find the need to purchase an outdoor building or shop. Some also find the need for unattached garages. These buildings house outdoor equipment, hobbies, and vehicles. They are often the keepers of high-value purchases being stored securely. No matter if you have purchased a building or plan to do so, make sure that your home insurance policy is aware of the structure so that it, too, can be covered on your policy. For residents living in or around the Pembroke Pines, FL area, McCormick Insurance Inc. has your next policy.

What is considered an outdoor structure?

The traditional shop, shed, or storage building automatically qualifies as an outdoor structure. However, other structures found on private properties also qualify for coverage. If you have a property fence or a pool in your backyard, these structures are also considered outdoor structures and qualify for coverage. Whether you have an in-ground or above-ground pool, all of these items are covered just like your home structure and are subject to equal coverage in the event of a disaster.

Disaster Strikes

Often times our outdoor structures fall victim to disaster damages. From wind breaking a rotting tree and letting it fall on these buildings to an accidental fire destroying them, disaster can strike your outdoor structures in a similar manner as your home. With other structures listed on your policy, coverage is available. Under these circumstances, the structures and the contents found within them can be covered. 


Like your home coverage, liability is also included in these outdoor structures. If a guest should suffer bodily injury in one of the outdoor structures, your home insurance policy will cover the medical expenses or fees associated with the incident.

If you are in the Pembroke Pines, FL area and looking to update your home insurance policy, look no further than McCormick Insurance Inc.  One of our agents would be happy to assist you with a new or updated policy today.