Yes — a shed is covered under the ‘other structures’ portion of homeowners insurance when a covered peril like fire, wind, or a fallen tree damages it. Wear, rot, and neglect are not covered.
Usually Covered
By the Home & Dime Editorial Team · Updated 2026
What’s covered
- Shed damage from fire, wind, hail, or a fallen tree.
- Other-structures coverage is typically about 10% of your dwelling limit.
Common exclusions
- Rot, rust, and general wear
- Termite and pest damage
- Sheds used for business (may need commercial coverage)
State considerations
If your shed’s value exceeds 10% of your dwelling limit, you may need to increase other-structures coverage.
Claim tips
- Photograph the damage and the cause.
- Check whether payout is ACV or replacement cost.
- Confirm your other-structures limit covers it.
Frequently asked questions
Is a detached shed covered?
Yes — under other structures.
Are shed contents covered?
Yes, under personal property, subject to limits.
Related guides
- Does homeowners insurance cover a detached garage?
- Does homeowners insurance cover a fence?
- Insurance glossary
Sources: Insurance Information Institute (iii.org); Consumer Financial Protection Bureau; FEMA; state Departments of Insurance. General information, not insurance advice.
Part of our Homeowners Insurance guide
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