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Is Your Shed or Garage Underinsured? Check Your Policy Now!

October 17th, 2025

0 min. read

By Mark Rodgers

Millions of Homeowners Are Underinsured for Their Secondary Structures – Are You?

Did you know that millions of homeowners are at risk of being underinsured for sheds, detached garages, ADUs, and guesthouses? 🏡 If disaster strikes, you could be left paying out of pocket for costly repairs.

✔️ Why this happens: Many policies don’t account for inflation or rising construction costs.
✔️ Real-life examples: See how homeowners discovered their secondary structures were drastically underinsured—too late.
✔️ How to protect yourself: Follow three simple steps to ensure you have the right coverage before it’s too late.

💬 We want to hear from you! Have you checked your coverage for secondary structures? Drop your questions in the comments below!