Detached structures that are located on your residential property may need specialized insurance coverage. Consider the condition of each detached structure. Assess the overall value of each structure. Choose residential coverage that will protect each structure from damage and theft.

Detached Structures

A mother-in-law home, a freestanding garage, or a fence would qualify for detached structure coverage. Assess each freestanding building or functional feature that is on your land. Consider the condition of each structure. If any structures are prone to becoming damaged or stolen, you should consider adding them to your residential insurance policy.

The Overall Value

Consider the overall value of each structure. Assess the amount that you have invested in each building or functional feature. Then, determine how difficult it would be to repair or replace each structure. Each structure’s use and monetary value will help you decide if you would like to add each item to your residential insurance plan.

The Contents Owned

Your insurance policy can include coverage for the possessions that are stored within a structure. Contents coverage should be assigned to items of value. Complete an inspection of the items that you own. Prepare a list of any items of value that you would like to add to your home insurance policy.

Residential Insurance Coverage Types

Detached structures insurance can protect against adverse weather conditions, theft, and vandalism. Choose the level of protection you need.

Assistance With Residential Insurance Upgrades

Contact one of our agents serving Kearny, NJ. An MSM Insurance Agency Inc. agent will consult with you about coverage for detached structures and provide guidance on choosing a coverage amount that will provide enough protection for your detached structures and the contents stored within them.