Florida Homeowner Insurance - Pools, Fences, Sheds, and Other Structures

The second part of the Florida Homeowner policy, which is also called Coverage B, is other structures. Now, we talked about some examples of other structures that are covered as part of the dwelling. Well, this coverage is what comes into play when you have something on your property that is not directly attached to the dwelling. For example, a shed, or a workshop, or a swing set, or a fence, which tends to be a common source or frustration during a hurricane or some other type of loss.
Yeah. Fence goes fast. The other thing you need to look at now, companies have all tightened and provide a little less coverage. It used to be you got whatever the house amount was-- you got a $100,000 house, you got $10,000 automatically for the contents. Some people complain and say i don’t have anything. Some people didn’t even think about it. But you got to keep in mind that they're no longer giving 10% all the time. Sometimes they’re giving 2%. So, if you had a $100,000-house, and you have a $3,000 fence, you only have $2,000 in coverage. So, you might want to look at those items and make sure there is enough coverage. You know, you’d hate to lose your fence because, again, after a hurricane, it's gonna be more expensive than before the hurricane. The other thing is pools are considered other structures. And people say, “Well, it’s a pool, it’s concrete.” Well, here’s something that happens. Those shingles blow off the roof and fall into the pool. The wind blows the water, and you end up with big tar marks on the bottom of your pool, and now, you need your pool re-finished. So you really wanna check that as well.
Insurance isn’t all about buildings.