What the Other Structures Section of a Homeowner’s Policy Covers

In the days where every home in Green Valley, AZ had a detached garage, everyone recognized the need for the other structures section of a homeowners policy. While some homeowners ask if they can remove it from their policy, Insurance Center of Green Valley wants you to understand why you still need it.

The other structures section of a homeowner’s policy also provides coverage for sheds, cabanas, gazebos and pool houses, as well as other small buildings that do not directly attach to a home. It also pays for damage to your driveway, swimming pool or retaining wall. When you read the list of what it covers beside a detached garage, it makes sense why you need to keep it.

In addition to paying for necessary damages to the physical structures, the other structures section also covers your liability if someone gets hurt in or by your pool or in the shed.

Your liability coverage pays their medical costs and pain and suffering. If someone dies on the property, it can also pay for their funeral.

You also need to keep your other structures coverage if you decide to put in a guest house or a home office in a separate building. It covers your structure, its contents, and liability. Of course, if you hold business meetings in your home office in Green Valley, AZ, you may need to add to your liability coverage.

Other structures do not include a guaranteed or extended replacement clause which means it won’t cover any atypical structures on the property. If it is not common to a single-family dwelling, you will need to extend the limits of your homeowners policy.

Call or come by Insurance Center of Green Valley to discuss your homeowner’s insurance and learn more about what your other structures coverage helps you recover. Your policy may already provide things you did not know.

Auto Insurance Add Ons You Need

When it comes to protecting your vehicle there are a number of auto insurance add ons you’ll want to consider. While it comes down to the kind of vehicle you drive, the amount you drive, and the kind of protection you’re interested in, chances are there are some auto insurance add ons that will give you peace of mind. If you live in or around Green Valley, AZ the team at Insurance Center of Green Valley is here to help. 

Roadside Assistance

There’s nothing worse than being stuck on the side of the road with no way to move your vehicle. Whether it’s a flat tire that you can’t change, a dead battery, the engine overheated and shut down, or there are other problems altogether, it is essential to have roadside assistance. It will save you money and keep you safe. 

Personal Injury Protection

Chances are your auto insurance may also cover some aspects of medical expenses. Your medical insurance may kick in as well. However, chances are this will not fully protect you and others within the vehicle. This is where personal injury protection, or PIP, comes in. This kind of auto insurance goes the extra mile and covers medical expenses up to a set amount. This set amount can be adjusted depending on the policy you decide to take advantage of.

No matter what kind of vehicle you drive or who your current insurance provider is, it’s always a good idea to look into your current coverage and decide what is best for your particular needs. When you live in or around Green Valley, AZ the team at Insurance Center of Green Valley can help. All you need to do is pick up your phone and give the team a call at your earliest convenience.