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Millions of Americans Are Underinsured for Their Secondary Structures

October 17th, 2025

0 min. read

By Mark Rodgers

Did you know that millions of American homeowners are at risk of being underinsured for structures like sheds, detached garages, and ADUs/guesthouses? 🏠🚗 If you’re not careful, you could face costly surprises if disaster strikes.

✔️ Why this happens: Learn how standard policies often undervalue detached structures and why many homeowners don’t realize it.
✔️ What’s at risk? See how being underinsured could leave you paying out of pocket for repairs or replacements.
✔️ How to protect yourself: Get expert tips on reviewing your coverage and making sure your policy fully covers all your structures.

💬 We want to hear from you! Do you have a detached structure on your property? Drop your questions in the comments below!