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Does home insurance cover decks?
We just purchased a home with an attached deck. We’re really excited about it, but we live in an area prone to bad storms and weather. We have a home insurance policy. Would home insurance cover decks?
Emily Maracle · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
Congrats on the new home! A deck sounds wonderful for relaxing. Luckily, you won’t have to worry about coverage either, since home insurance covers decks.
Since your deck is attached to your home, it’s considered a part of your home or dwelling. Any damage that occurs to your deck would have coverage under your Coverage A or dwelling coverage. That said, the damage would still need to be from a
covered peril
. Even if your deck wasn’t attached to your home, you’d still have coverage under the other structures part of your policy.
Bad weather and storms are covered perils in a home insurance policy, but be sure to double-check your policy’s exclusions. If flooding, earthquakes, or landslides are common where you live, you would need a separate policy to cover any damage that may occur to your home or your deck.
If you’re looking to save money on home, renters, or car insurance, the
Jerry
app is a good place to start. A licensed broker, Jerry does all the hard work of finding cheap quotes from the top name-brand insurance companies and buying new home or renters insurance. Jerry will even help you cancel your old policy.View full answer
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