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It depends upon the language in the policy. Some basic policies also cover structures and unattached buildings located on the property. This includes storage sheds, garages and even Fencing. Any structure on your property can be insured even a tree house or a swimming pool.

You may have to buy a rider on your policy, or shop around a bit to find a home insurance company that offers more comprehensive coverage.

You can also add this to your existing policy if your erect a building, or increase the dollar amount of coverage if you make improvements to a another building that is on the property.

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Q: Does homeowners insurance cover a storage building in your yard?
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