I am often asked questions about how a detached apartment/game room/pool house/guest house is covered under a homeowner’s policy. The answer is dependent on the policy language, the case law in the jurisdiction of the claim, and the specifics of the structure.
Continue Reading Is a “Bonus Room” on Top of a Detached Garage Covered Under my Dwelling Coverage?

What the #*&@%! is a she-shed?

Pardon the provocative preamble to this post. If you’ve seen the television commercial, then you know the scenario I am about to discuss. Upset couple watching the so-called “she shed” burn to the ground while they are on the phone with their insurance agent. Is the posh “she shed” covered? Is there enough coverage to replace it as the homeowner is led to believe?
Continue Reading Coverage B: Protecting Your “She Sheds” – Fences, Detached Garages, and Other Structures on Your Property