is my porch covered by my home insurance policy?

UPDATED: Jul 11, 2017

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UPDATED: Jul 11, 2017Fact Checked

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Asked July 11, 2017

1 Answer

This isn't a simple question to answer. Even a "no" comes with a qualifier, making the answer dependent on each individual's homeowner's insurance policy. There are a number of factors to consider, when determining whether or not your insurance policy will protect your porch.

Many homeowners insurance policies are extended under the term 'dwelling insurance' and, as such, protects more than the living areas of your home. Typically, under a dwelling insurance clause, any structure physically connected to your home would be protected under the policy. This would include an attached porch, though might exclude a separated patio, pool deck, gazebo, etc.

In the event that your property includes structures not covered by dwelling insurance policies, many insurance companies offer additional coverage for other structures.

Homeowners insurance is also limited by the type of damage, so it's beneficial to determine what risks apply to your situation. In the case of an exposed porch, or other structure outside of the primary dwelling, you might want to consider if the policy will cover the types of damage to which the structure is most susceptible.
Typically, dwelling insurance provides protection against the following acts:

  • Fire/smoke
  • Lightning
  • High winds
  • Hail
  • Explosions
  • Vandalism
  • Theft
  • Damages caused by snow, sleet, or ice
  • Damage caused by falling objects
  • Damages incurred by aircrafts
  • Damages incurred by automobiles

There are some types There is the possibility that your insurance carrier will cover damages from mold to a degree, but it may boost your monthly premiums for the extra coverage.

Other acts that will not be covered, or may require additional coverage at higher premiums are sewer backups, sinkholes, termite infestations, nuclear plant accidents, and acts of terrorism.

Again, it's important to familiarize yourself with your own policy to determine if extra coverage is needed.

Answered July 12, 2017 by bestrates

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