What Sacramento Homeowners Should Know
When it comes to homeowners insurance, one of the most common questions we hear from Sacramento residents at Eugene C Yates Insurance Agency is:
“Does my policy cover things like my backyard shed and my TV?”
The short answer is yes—usually. But, as with most things in insurance, the details matter. Let’s break down how these two very different types of property are protected and what limits may apply.
🏡 1. Is My Backyard Shed Covered?
Your backyard shed, detached garage, or fence typically falls under a part of your homeowners insurance called “Other Structures Coverage.”
This is often labeled as Coverage B in your policy. It covers structures on your property that aren’t physically attached to your main home. Examples include:
- Sheds
- Detached garages
- Gazebos
- Fences
- Pergolas
Typical Coverage Limit:
Most insurance companies automatically include coverage for “other structures” equal to about 10% of your main dwelling limit.
So, if your home is insured for $500,000, you may have up to $50,000 in coverage for other structures on your property.
What’s Covered:
Damage from common covered perils such as:
- Fire or lightning
- Wind or hail
- Theft or vandalism
- Falling objects
What’s Not Covered:
Your shed likely won’t be covered for damage caused by:
- Flooding
- Earth movement (earthquakes)
- Wear and tear or neglect
- Insects, rodents, or mold
You can often add endorsements for higher limits or extra protection if your shed contains valuable tools or equipment.
📺 2. Is My Television Covered?
Yes! Your TV—and other electronics—are protected under Personal Property Coverage (Coverage C).
This covers your belongings, whether they’re inside your home, in your car, or even temporarily somewhere else (like in storage during a move).
What’s Covered:
- Fire, smoke, or lightning
- Theft or vandalism
- Power surges (depending on the insurer)
- Sudden and accidental damage from covered perils
What’s Not Covered:
- Normal wear and tear
- Manufacturer defects
- Accidental damage (like dropping it)—unless you have an endorsement or a home warranty plan that includes it
Pro Tip:
Many standard policies cover personal property at actual cash value, which means depreciation is deducted from your payout. You can upgrade to replacement cost coverage to be reimbursed for the cost of a brand-new TV of similar quality.
💬 3. Review Your Limits
Both your other structures and personal property coverage come with limits.
If you’ve recently upgraded your home entertainment setup or added a new shed or workshop, it’s worth reviewing your coverage amounts to make sure they’re high enough to replace what you own today.
✅ Final Thoughts
Yes—your backyard shed and your television are likely covered under your homeowners insurance policy.
But the extent of that coverage depends on your limits, deductibles, and whether your policy includes replacement cost protection.
At Eugene C Yates Insurance Agency, we help Sacramento homeowners understand every part of their policy—from sheds to flat-screens—and make sure they have the right protection in place before something happens.
📞 Need a Policy Review?
Contact Eugene C Yates Insurance Agency today for a free homeowners insurance review.
We’ll walk you through exactly what’s covered, what’s not, and how to make sure every part of your home—from your backyard shed to your living room TV—is fully protected.