Will my homeowners insurance cover my damaged mailbox?

Homeowners’ insurance creates peace of mind for many people. It protects the exterior and interior of your home and other structures on your property. It also provides protection and coverage for your personal belongings. However, although many incidents are covered by homeowners insurance, not everything is. Our team at Tackett Insurance Inc. knows that many homeowners are confused about what’s covered by a homeowner’s policy. We’re dedicated to erasing the confusion for our Memphis, TN residents.

What is Homeowners Insurance?

Homeowners insurance is designed to cover your home, the structures on your property, and your personal belongings. Homeowners’ insurance can pay for repairing or replacing your home if it’s damaged due to a covered incident. Fire, theft, and some natural disasters are covered by homeowners insurance. You also have liability coverage as well. Suppose you damage someone else’s property while visiting your home or due to a covered incident. In that case, your homeowner’s insurance policy will pay for repairing or replacing the damaged item. Many forms of coverage and protection are part of homeowners insurance. It’s a good idea to understand what’s covered and what’s not. A licensed insurance agent can walk you through your insurance policy and eliminate confusion. 

Will Homeowners Insurance Cover My Damaged Mailbox?

Maybe. Your homeowner’s policy covers "other structures" on your property. This form of coverage would include your mailbox. However, the damage must be caused by a covered incident. Your insurance company will determine whether or not an event covered by your policy caused the damage. The damage may have been caused by an incident not covered by your policy. If you have questions about homeowners insurance, call us. We’d be happy to answer all of your questions.