Is my Gazebo protected with home insurance

Discover if your gazebo is protected under State Insurance Solutions’ Home Insurance

Home insurance describes a policy package that offers protection for policyholder’s home and their personal properties. The policy also protects the holder and their family from being held responsible for injuries that others may sustain while on their property. A standard homeowners insurance, offered by State Insurance Solutions serving Dallas, TX, has four essential types of coverage, this includes; protection for home structure, liability protection, protection of personal belongings, and protection for living expense should your house be unlivable.

The portion of the policy which covers for home structure protect against physical damage to the house itself, such as damage to the walls, floors, and doors. In addition to the structure of the house, the policy also covers detached structures located on the property, this include garage, gazebo, and shed.

The gazebo is considered a detached structure hence, it is covered under the portion of the home structure under homeowners insurance. But this insurance does not cover this structure fully. Typically, it covers these types of structure for about 10 percent of the amount of the home insurance policy that is on the home. This may appear small but it does go a long way.

But if you have a high-value gazebo or you are not contented with the 10 percent coverage, then you can add additional protection for it. This would be added to your homeowner’s policy. This will increase the amount of coverage you have on the structure and have it listed on your policy. Although this would increase your premium, it would be a worthwhile investment.

It is important that you maintain and take good care of your gazebo as homeowners insurance does not cover normal wear and tear, and also does not cover incidents that arise as a result of poor maintenance.

If you are thinking about adding a gazebo to your already existing structure it is advisable that you, first of all, speak to your home insurance company. Your agent would be in the best position to advise you on how to add these very expensive structures to your coverage so you can stay safe and secure. At State Insurance Solutions, we can advise you on how you can add your gazebo to your insurance coverage. Our company serves Dallas, TX and surrounding areas.

 

Keep It Simple With Your Auto Insurance in Texas

At State Insurance Solutions we want the process of receiving an auto insurance quote and getting auto insurance to be simple and easy. It is a legal requirement to have insurance on your vehicle in the State of Texas, but that does not mean the process has to be complex. Come in or call us to see the difference. We serve Dallas, TX and the surrounding areas. 

How We Can Make Your Insurance Purchasing Process Simpler?

First, you will be working with an individual agent who understands your unique case. This will make any claims filed easier to navigate and it will make your experience with us a more positive one. This also means when you call us with questions you talk to someone you know. 

We stay up to date on any new legislation when it comes to insurance, and we can pass that information to you. This means that you have an insurance agent in your corner for needs beyond filing a claim or the original purchase. As legislation changes that effects drivers no matter the impact we will let you know. Some times that means better rates, sometimes it means new laws or requirements, either way we are here for our customers. 

Finally, you can purchase insurance in a fashion that is comfortable for you. If you want to come into our office, do a phone consultation, or apply online we have your preferred method and can help you as much or as little as you are in need of from our end. 

Contact one of our agents today to find out the difference at State Insurance Solutions. We proudly serve Dallas, TX and the surrounding areas with quality insurance services.