Homeowners Insurance in McDonough GA, Metro Atlanta, and Surrounding Areas
Top Homeowners Insurance Questions Asked About Firepits, Detached Garages, Pools and Others
As a homeowner, you’re likely aware of the importance of homeowners insurance. However, while these policies may be a common fixture in the financial security of many families across the United States, coverage can be complex and even confusing. Your home is more than simply four walls and a roof, and understanding how your coverage can protect various parts of your property is integral to ensuring your policy is sufficient.
How Does Homeowners Insurance Work?
The first thing you should understand is that homeowners insurance, also known as home insurance, is largely customizable. This means that you can augment or adjust your policy to suit the unique needs of your family and property, potentially securing tailored coverage for the various elements and components of your home.
Does My Insurance Cover a Detached Garage?
A homeowners insurance policy can indeed cover detached garages. While dwelling coverage is typically used to cover the primary residence, coverage is also usually offered for additional structures other than the main dwelling of your home. This might include buildings such as guest houses, gazebos, tool sheds and detached garages.
What About Pools, Firepits and Trampolines?
While pools, firepits, trampolines and other features can help make your home more luxurious, enjoyable and valuable, they may also carry significant risk levels. When adding one of these elements to your property, you should be sure to inform your agent. Failing to do so could leave you underinsured or even lead to your policy being canceled.
Is My Plumbing Covered?
Your home’s plumbing systems are typically covered under the aforementioned dwelling coverage component of your policy. Most standard homeowners coverage can help pay for losses and repairs involving your home’s electrical and plumbing systems.
Are Mold Issues Covered?
Mold can be a nuanced part of homeowners insurance coverage. If a mold problem grows over time due to negligence or poor maintenance, your insurer will typically not cover remediation costs. However, should a covered peril, such as a burst pipe, directly lead to an issue, you may be able to receive financial assistance.
Learn More
Contact Strawn & Co to learn more homeowners insurance and ensure you have the right coverage.