Backyard structures and home insurance
您的小屋、独立车库或游泳池是否在保单范围内?
If you have a freestanding garage, shed, pool or other structure on your home's property, it may be protected under your homeowners insurance policy. It is also good to keep in mind that, just like for your home, 对于你的户外结构，你的保单所能涵盖的损害是有限制的.
Sheds and outdoor buildings
pp王者电子官网金额因保单而异-请检查您的保单以了解与这些项目相关的具体pp王者电子官网范围.
Remember to notify your agent 或承运人的存在，这些项目，并保持这些结构的重建成本时，购买您的 home insurance policy.
无论是一个花园棚还是一个割草机的车库, 您在其他建筑物内的个人财产也可能被您的房主pp王者电子官网覆盖. You might consider a Personal Articles Policy 对于某些类型的机械或运动器材(有限制). 这种类型的保单保护的项目超出了业主pp王者电子官网的限制和免赔额.
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Swimming pools
Whether you already have a swimming pool or are thinking about getting one, 与你的pp王者电子官网代理人或承运人一起审查责任pp王者电子官网范围. Most home insurance policies include some liability protection, but you may want more if you have a swimming pool. The Insurance Information Institute 建议增加你的责任保护金额或购买一个 umbrella liability policy.
您还可以采取额外的安全措施，以帮助防止事故和减少潜在的责任风险:
- Add a high fence with a self-closing, 门锁，防止客人在您不知情的情况下进入.
- 执行安全泳池规则，如:不要潜入浅水区，不要在泳池边行走(不要跑步).
- 在你的游泳池周围提供防滑的表面，以帮助防止跌倒.
- 在任何时候都要有成人监督泳池内的儿童.
- Keep necessary first aid equipment near the pool.
- 与当地市政当局联系，以确定您的游泳池和周围的围栏是否符合尺寸要求, depth and other safety features.
当你考虑游泳池时，财产损失是另一种需要考虑的pp王者电子官网类型. 考虑询问您的pp王者电子官网公司，该pp王者电子官网如何适用于不同的pp王者电子官网池类型和不同的索赔方案. 了解您的政策可以帮助您更好地为意外情况做好准备.
Fences
Fences are generally considered other structures. 这取决于pg电子官方网页版所投保的pp王者电子官网类型和围栏的材质, and in the case of a covered claim, 它可以按实际现金价值(折旧价值)支付，而不是按 replacement cost.
查看和了解你的房主的政策，看看你有合适的金额和覆盖类型, should the unforeseen happen. Consider contacting a State Farm® agent 查询不同类型的pp王者电子官网范围和限额 home insurance in your area, or if you are looking to bundle your policies1 including home, car and life.
