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In talking with our insurance Agent "Rob" he was saying that your homeowners insurance coverage will cover any secondary structures on your property as long as the value isn't over 10% of the value of your primary structure. So if your home is Valued at $200,000 you could have a backyard yurt for your hot tub for no additional insurance cost as long as it wasn't valued over $20,000.00.... that was great news.
That is absolutely correct. This coverage (in many cases) can be increased above the 10% for a nominal charge. Also, I always like to suggest consulting with their insurance agent.
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