Homeowners insurance typically covers patios, but there are some stipulations that may apply based on your situation. Insurance companies may consider whether or not the patio is attached to your home along with factors that include whether the damage was caused by a cover peril.
Does It Matter if the Patio Is Attached or Detached?
Yes. Homeowners insurance will usually only cover attached patios they consider to be part of the dwelling. However, your detached patio might be covered under the portion of your policy that covers other structures. Since the specifications regarding what makes a patio attached or separate can vary, it’s best to check with your insurance provider to make sure you have the right type of coverage. San Diego patio construction experts can also help you make sure the structure is attached to your dwelling when this is a major concern.
How Much Damage Will My Insurance Cover for a Patio?
The amount of compensation you can receive for damage to a patio also varies from one insurance provider to another. Naturally, you can also expect insurance coverage to be higher for more expensive patios versus simple versions made from less costly materials. Usually, insurance covers around 10 percent of the main dwelling’s insurance amount. But this might be increased if you purchase extra endorsements or have a higher level of coverage.
What Are Covered Perils for Homeowners Insurance?
If your San Diego home has a solid patio cover, your policy will typically include coverage for similar perils as your house. For instance, homeowners insurance usually covers damage from theft, vandalism, falling objects, and fires. But it might not cover damages from floods or poor maintenance. Making sure to keep detailed records of the work you’ve done on the patio helps if you need to file a claim.
Will Grills and Patio Furniture Be Covered?
Your favorite patio accessories usually fall within insurance coverage for personal property. Similar to the contents of the main part of your house, you can reasonably expect homeowners insurance to cover grills and other high-priced items. Keep in mind, however, that the amount of coverage can vary. Protecting the belongings on your patio with a solid cover can help you avoid needing to file a claim for damage.
If you’re planning a new patio or upgrading your outdoor space, make sure it’s built with both style and long-term protection in mind. The experts at RKC Construction can design and construct a patio that not only enhances your home’s value but also aligns with insurance requirements for proper coverage. Whether you’re adding an attached structure or upgrading an existing space, our team will guide you through every step of the process. Contact RKC Construction today to schedule a consultation and start building a patio you can enjoy with confidence.
Frequently Asked Questions
When will homeowners insurance deny a patio damage claim?+
Homeowners insurance may deny a patio damage claim when the portion of your home is poorly maintained or is harmed by a noncovered peril.
Will insurance cover unpermitted patios in San Diego?+
No, homeowners insurance will typically only cover patios that have passed the permitting and inspection process by the local municipality, since it demonstrates it meets specifications for structural integrity.
Is a detached pergola over a patio covered under general homeowners policies?+
Detached pergolas aren’t typically covered under the main dwelling portion of a homeowners insurance policy. But they’re often included in the coverage for other structures.
Should you attach a patio cover to make sure it’s covered by insurance?+
Working with a professional patio builder to create an attached cover for the space can help you obtain insurance coverage. But you’ll want to make sure your patio builder knows your goal to ensure they follow all of the necessary protocols to make an attached part of your home.
