Whether it’s a detached garage, storage shed, or workshop, these outbuildings are part of your property—and they hold value. From expensive tools and lawn equipment to seasonal gear and stored furniture, protecting these spaces matters just as much as protecting your home.
Most standard homeowners insurance policies include “Other Structures Coverage”—often listed as Coverage B—which protects buildings on your property that are not physically attached to your home.
While other structures coverage is broad, it doesn’t protect against everything:
If your shed or garage is used for commercial purposes—like running a small business or storing work equipment—you’ll likely need additional coverage.
Other structures coverage is typically 10% of your dwelling coverage limit. For example, if your home is insured for $300,000, your shed and garage coverage may be $30,000. If you’ve invested in a large detached garage, custom workshop, or high-end storage building, you might need to increase this limit.
When you work with us, we:
We’re independent, meaning we shop for you, not the insurance company. And because we know North Carolina weather and risk factors, we can make sure your sheds and garages are protected year-round.
Protect Every Part of Your Property
Your home insurance should cover more than just your house—it should protect your entire property.
Start your quote online today or call (910) 791-1011 to speak with a Sizemore Insurance advisor about insuring your sheds, garages, and other structures.