During a recent windstorm an old tree fell in our yard and crushed our detached garage. We need to replace it ASAP- Is this covered under our home insurance policy even though it’s not connected to our home ? Lillian P.- Roanoke, Virgina

Lillian,

Sorry to hear about your recent misfortune.  Good news is- under most standard home insurance policys- sheds, garages and other detached structures on your property are covered against damage caused by wind/hail/fire. Typically, coverage for other structures is about 10% of your dwelling coverage. After you replace it, consider the replacement value of the garage.  If you feel that you may need more coverage for your garage in the event that this ever occurs again, talk to a home insurance agent about your options for extending this portion of your policy.

Thanks,
Your Agent @ HomeInsurance.com