Is My Detached Garage or Shed Covered Under My Kansas Home Insurance?

If you’ve got a detached garage, machine shed, or garden shed in Kansas, you might be wondering if your homeowners policy covers it.

Good news: most Kansas home insurance policies automatically include “Other Structures” coverage for buildings that aren’t attached to your home — like garages, sheds, fences, and even some barns.

But here’s what trips people up:

The limit is usually 10% of your dwelling coverage. If your house is insured for $250,000, that’s $25,000 for all other structures combined.

Some farm or hobby buildings may not be covered if they’re used for business or have livestock inside.

Roof age and condition matter — older roofs may be settled at Actual Cash Value, not Replacement Cost.

If you’ve upgraded your shed, built a bigger shop, or added more buildings, you might need to bump up your coverage.

Before the next Kansas windstorm tests your outbuildings, let’s make sure they’re covered. Call or text me at 620-531-0261 and I’ll review it with you.