Are Gazebos Covered by Insurance? (We Checked for You)
A gazebo can be a great addition to any backyard, providing shade and shelter for gatherings or just relaxing. However, if you’re considering adding one to your home, you may be wondering if gazebos are covered by insurance.
Gazebos are covered by most homeowners insurance policies, but there may be some exceptions depending on the specifics of your policy. It’s always a good idea to check with your insurance provider to be sure. You can ask about additional coverage for your gazebo if it’s not already included.
In this blog post, we’ll answer some common questions about gazebos and insurance to help you make the best decision for your home. We’ll also provide some tips on how to keep your gazebo in good condition and protected against the elements.
This post contains affiliate links from Amazon and other stores. This means Yard Blogger may earn a commission if you make a purchase using any of our links. Please refer to our full affiliate disclosure policy for full details.
Here’s a Quick Pro Tip!
Having homeowners insurance cover your gazebo is great, however, you’ll be less likely to need it if you purchase the right gazebo that is sturdy and well built.
Here are a few we highly recommend:
1. MELLCOM Hardtop Gazebo – One of the most popular and extremely well-built gazebos available. It’s made with galvanized steel and will be difficult to damage.
2. Grand Patio Gazebo with Mosquito Netting – An excellent choice for those on a budget!
3. Sunjoy Hardtop Cedar Framed Gazebo – Extremely popular gazebo that’s built to last. It has a cedar frame construction and a hardtop that makes it very durable and wind-resistant.
Here are some more great gazebo options to choose from!
Does Homeowners Insurance Cover Gazebos?
Most homeowners insurance policies will cover gazebos, however, there may be some exceptions. It’s always a good idea to check with your insurance provider to be sure. It may be possible to add additional coverage for your gazebo if it’s not already included in your policy.
Homeowners insurance policies generally will cover anything that is considered a permanent structure on your property. A gazebo typically meets this criteria, as it is usually anchored to the ground or a deck.
If your gazebo is not permanently attached, it may still be covered, but you will need to check with your insurance company to be sure.
Even if your homeowners insurance policy covers gazebos, there may be some limits on the coverage. For example, your policy might have a limit on how much it will pay to replace your gazebo if it is damaged or destroyed.
It’s important to be familiar with the coverage limits in your policy so you know what to expect if you need to make a claim.
How Much Will Your Policy Pay For Your Gazebo?
On average, your homeowners insurance policy will cover up to 10% of your home’s total insured value for detached structures, like a gazebo. So, if your home is insured for $150,000, your policy would pay out up to $15,000 to replace a damaged or destroyed gazebo.
Of course, every policy is different, so it’s important to check with your insurance company to find out what coverage limits apply to detached structures on your property.
You may be able to increase the amount of coverage for detached structures by buying an endorsement or rider to your policy. An endorsement is an add-on that provides additional coverage for specific items or risks.
A rider is similar to an endorsement, but it is typically used to cover high-value items, like jewelry or art.
If you’re considering buying a gazebo, it’s a good idea to find out how much coverage your homeowners insurance policy provides for detached structures. That way, you’ll know if you need to purchase additional coverage to protect your investment.
What to Do if Your Insurance Doesn’t Cover Gazebos?
If your homeowners insurance policy doesn’t cover gazebos, you should whether this can be added under Coverage B on your homeowners policy. This is the part of your insurance that covers structures that are attached to your home, such as decks, porches, and gazebos.
Coverage B is commonly referred to as Other Structures coverage. If you have this coverage, it will typically cover 10% of the Coverage A limit on your homeowners policy.
For example, if you have $100,000 in Coverage A (Dwelling) on your policy, you would have up to $10,000 in Coverage B (Other Structures) coverage.
If you need more than $10,000 in Coverage B (Other Structures) coverage, you can ask your insurance agent about increasing this limit. You may need to provide proof of the value of your gazebo, such as a receipt or appraisal, to get this coverage.
If you have a separate policy for your gazebo, you should check to see if it covers wind damage, as this is one of the most common causes of damage to gazebos.
If your policy doesn’t cover wind damage, you may want to consider adding this coverage. You can usually add it for a small additional premium.
You might also enjoy our post on How to Find Out if your Neighbor Has Homeowners Insurance
How to Protect Your Gazebo from the Elements?
Protecting your gazebo from the elements is important to keep it in good condition and reduce the risk of damage. There are a few things you can do to protect your gazebo from the elements and keep it in good condition.
Here are some of the most common steps:
- Make sure it is anchored securely to the ground or a deck. This will help prevent it from being blown over in strong winds.
- Inspect it regularly for any damage, such as cracked wood or loose screws.
- If you live in an area that gets a lot of snow, you may want to invest in a snow load kit to help support the roof.
- Apply a sealant or stain to the wood to help protect it from water damage.
- Cover it with a tarp or canvas when not in use to protect it from the sun and rain.
By taking these precautions, you can help ensure that your gazebo lasts for many years to come.
What to Do if Your Gazebo is Damaged?
If your gazebo is damaged, the first thing you should do is check your insurance policy to see if it is covered. If it is, you will need to file a claim with your insurance company. Make sure to take photos of the damage and gather any receipts or other documentation that will be required.
Be sure to have all the necessary documentation, such as photos of the damage, receipts for any repairs, and an estimate of the replacement cost.
If your gazebo is not covered by insurance, you will need to pay for the repairs or replacement yourself.
You may be able to get a discount on the cost of materials if you purchase them through a home improvement store.
You can also check with your local hardware store or lumberyard to see if they have any damaged or discontinued items that you can use for repairs.
By taking these steps, you can help ensure that your gazebo is repaired or replaced as quickly and efficiently as possible.
At the end of the day, a gazebo can be a great addition to your home. It can provide you with a place to relax, entertain guests, or simply enjoy the outdoors.
While most homeowners insurance policies do cover gazebos, it is important to check your policy to be sure. You may need to purchase additional coverage for wind damage or other perils.
By taking some time to learn about the different types of gazebo damage and how to protect your gazebo from the elements, you can help ensure that it lasts for many years to come.