If you're a homeowner with a pergola in your backyard, you may wonder if your insurance provider and policy will cover it. The answer is: it depends. Obviously, everyone’s home insurance coverage varies, but there are situations where a pergola will be covered.
Turn You Backyard into an Outdoor Oasis
Types of Insurance Policies That May Cover Your Pergola
Let’s explore the different types of insurance policies that may cover your pergola, what situations are covered, and what factors can affect your coverage. There are two types of insurance policies that may cover your pergola: homeowners insurance and umbrella insurance.
Homeowners Insurance
Homeowners insurance is a policy that covers your home and personal property against loss or damage from a variety of perils, such as fire, theft, and vandalism. Most homeowners insurance policies also include coverage for other structures on your property, such as sheds, garages, and pergolas.
Umbrella Insurance
Umbrella insurance is an extra layer of liability coverage that extends beyond the limits of your homeowner's insurance policy. Umbrella insurance can provide coverage for a variety of situations, including accidents that occur on your property, such as someone getting injured while using your pergola.
What Situations are Covered?
The situations covered by insurance policies for pergolas vary depending on the type of coverage you have.
Homeowner's Insurance
If your pergola is damaged or destroyed by a covered peril, such as a windstorm, hail, or fire, your homeowner's insurance policy may cover the cost of repairing or replacing it. Additionally, if someone is injured on your property because of a defect in your pergola, such as a loose board or railing, your homeowner's insurance may provide coverage for their medical expenses and any legal fees if they sue you.
Umbrella Insurance
Umbrella insurance can provide coverage for liability claims that exceed the limits of your homeowner's insurance policy. For example, if someone is injured on your property and sues you for damages that exceed your homeowner's insurance policy limits, your umbrella insurance can cover the additional costs.
Factors That Can Affect Your Coverage
Several factors can affect your coverage for a pergola. Let's break down what those factors are and the impacts they can make.
Policy Limits
The amount of coverage you have for your pergola depends on the limits of your policy. If your policy limit is not enough to cover the cost of repairing or replacing your pergola, you may have to pay the difference out of pocket.
Deductible
Your insurance policy may have a deductible, which is the amount you pay out of pocket before your insurance coverage kicks in. If the cost of repairing or replacing your pergola is less than your deductible, your insurance policy may not cover it.
Maintenance
Insurance companies may deny coverage for a pergola if they determine that the damage was caused by a lack of maintenance. It's important to regularly inspect and maintain your pergola to prevent damage and ensure that it is safe for use.
Protect Your Florida Pavers and Pergolas Design
Whether insurance covers your pergola depends on the type of coverage you have, the situations covered by your policy, and several factors that can affect your coverage. It's essential to review your policy and speak with your insurance agent to understand your coverage and ensure that you have adequate protection for your new Florida Pavers & Pergolas installation. By doing so, you can enjoy your custom backyard oasis without worrying about unexpected expenses if something happens to your pergola.
Florida Pavers & Pergolas services the following areas:
Orange County, Seminole County, Lake County, Osceola County, Volusia County, and Broward County. Our team commonly operates in Metro West, Doctor Phillips, Windermere, Kissimmee, Winter Garden, Gotha, Oviedo, Oakland, Apopka, College Park, Winter Park, Sorrento, Longwood, Altamonte Springs, Lake Mary, Heathrow, & Sanford.