Homeowners should consider the insurance risks for garage and backyard.This is important to keep in mind as the warm weather progresses and more time will be spent outside. Home property insurance is needed for your backyard. This is especially if you have a pool, trampoline, or even a tree house. The point is, if it is on your property, it needs coverage.
Liability coverage in a homeowners policy is important to have in order to avoid paying hospital bills, replacement or repair fees for any accident or theft that occurs on your property. The backyard and garage are also the most affected areas when a natural disaster strikes.
Here are some tips for the backyard:
- For those with an active fire pit, make sure it is a safe distance away.
- Install a fence with a locked gate if you have a pool.
- If you plan to make major renovations/changes to your backyard, please contact Troy Insurance prior. This will allow us to adjust your insurance risk accordingly.
- Always make sure the outside contractor you hire has workers compensation. If they do not and get hurt during the job, it is on you.
- Anything expensive or important to you that you keep in the garage, keep a list of them for the insurance company. If possible, attach the receipts along with them.
