When you think about your home insurance, you probably focus on your house itself. However, homeowners in Orlando, FL also need to consider detached structures on their property. For example, does your home insurance policy cover the shed behind your house or your fencing?

These structures are part of your property, but they are not attached to your main dwelling. That difference becomes very important when you need to file a home insurance claim.

Understanding Coverage B and What It Means for Your Property

Most home insurance policies include a section known as Coverage B. This part of the policy provides protection for structures on your property that are not physically connected to your house. Examples include:

• Detached garages
• Sheds
• Fences
• Pool enclosures
• In-ground swimming pools, depending on the carrier
• Gazebos
• Permanent mailboxes
• Workshops
• Barns
• Detached in-law suites
• Guest houses

The Florida Office of Insurance Regulation states that standard home insurance policies include Coverage B. There is no state requirement for a minimum limit, so it is up to you to ensure your limit is appropriate for the structures you have.

Why Orlando Homeowners Should Pay Attention

Because Florida does not mandate a specific limit for Coverage B, insurance carriers often set it as a percentage of your dwelling coverage. Some companies set it at 2 percent while others use 10 percent. This is a major difference. If your home is insured for $ 350,000, your Coverage B could be as low as $ 7,000 or as high as $ 35,000.

You can adjust your limit at any time. For example, if you discover you are paying for more coverage than you need, you can lower it. On the other hand, if you build a new workshop or install an expensive fence, you may need to increase your limit. Insurance Warehouses of America can help you evaluate your policy and determine the appropriate coverage amount.

Why This Matters for Orlando Homeowners

One major reason is hurricanes. Orlando homeowners face the risk of wind damage every year. A single storm can cause a tree to fall on your shed or destroy your fencing.

Knowing your Coverage B limit in advance helps ensure you can replace damaged structures rather than paying out of pocket.

How to Make Sure Your Limits Are Adequate

Start by walking your property and estimating the cost to rebuild each detached structure. Consider the materials, labor, and current construction costs in your area.

Then contact an agent at Insurance Warehouses of America. We can help you review your home insurance policy or assist you in selecting a new policy that better protects your property.