Outbuildings come in all shapes and sizes and all are not equal. Talk to your agent if your outbuilding has upgrades such as electric, insulation, special lighting, sheet rock, etc. It’s your investment, don’t lose your investment by being under insured, and a loss happens.
Ever heard of an “attractive nuisance”? Kind of an oxymoron…but you are looking at what some court cases involving pools call and “attractive nuisance.” It attracts children by having that “wow” factor. Insurance companies have underwriting guidelines in place depending on the type of pool, but our main goal is to protect children and animals from easy access and drowning. Thus keeping you out of a lawsuit and the courtroom. If you have a pool or are thinking of getting one, check with your insurance company to see which underwriting guidelines are there to help you stay safe.
