Installing a new deck increases your outdoor living space. This type of upgrade may prompt you to modify your home insurance policy. Consider the new feature and seek insurance coverage that will protect the decking materials.
Understanding Home Insurance Coverage Benefits
Home insurance coverage isn’t solely for the structure you live in. Any items of value can be added to your home insurance policy. A new deck is an extension of your home and may add considerable value to your property. Your home insurance coverage could protect the new decking materials from unforeseen damage, vandalism, theft, and other types of criminal activity. Home insurance coverage is designed to protect the homeowner from financial loss, covering the cost of repairing or replacing compromised materials.
Evaluating Your Residential Deck Project
Assess the new deck, either before or after the installation. Examine the type of decking materials used and the functional purpose of the deck. Consider any items of value that will be temporarily or permanently stored on the deck. Your insurance coverage can protect wood, laminate, or any other type of decking material used for the project. Consider the railings, steps, and other pieces attached to the deck. If your deck is going to be enclosed, inspect the screens, siding, and other materials used as part of the enclosure.
Scheduling an Insurance Consultation for Your Deck
Please schedule an appointment to consult with one of our agents about the new deck. An agent serving Cumberland, MD will assist you. Our Knippenberg Insurance Inc. agents are here to assist property owners like you.
