When most homeowners think about insurance, they focus on the house itself.
But what about everything around it?
In Albuquerque, detached structures are common. Whether it’s a backyard shed, a detached garage, or even a casita.
If you’re looking for Home Owners Insurance Albuquerque NM, it’s important to understand how these structures are covered and where gaps can happen.
🏠 What Counts as a Detached Structure?
A detached structure is anything on your property that is not physically attached to your main home.
Common examples include:
Detached garages
Storage sheds
Workshops
Fences and gates
Guest houses or casitas
These are usually covered under a separate part of your policy.
📋 How Coverage Typically Works
Most homeowners insurance policies include Coverage B – Other Structures.
This typically covers detached structures at around:
👉 10% of your dwelling coverage
Example:
If your home is insured for $300,000
You may have about $30,000 for detached structures
⚠️ Where Homeowners Run Into Problems
Here’s where things can get tricky:
1. Not Enough Coverage
If you have:
A large detached garage
A fully built casita
Multiple structures
👉 That 10% may not be enough.
2. Underestimating Value
Many homeowners don’t realize how expensive it would be to rebuild:
Custom sheds
Workshops with electrical
Detached living spaces
3. Rental or Business Use
If your casita is:
Rented out
Used for business
👉 Standard coverage may not apply the same way.
This is a big one that often gets overlooked.
🧱 Albuquerque-Specific Considerations
In Albuquerque, detached structures can include:
Adobe casitas
Converted garages
Backyard studios
These can be more expensive to repair due to:
Specialized materials
Labor availability
🔍 How to Know If You’re Covered Properly
Ask yourself:
Would my current coverage fully rebuild my detached structures?
Have I added anything to my property over time?
Am I using any structure for rental income?
If you’re unsure, it’s time for a review.
🤝 How ABQ Insurance Helps
At ABQ Insurance, we don’t just look at your home, we look at your entire property.
We help:
Review your Coverage B limits
Adjust coverage if needed
Find companies that better fit unique properties
Make sure nothing is overlooked
📞 Get a Homeowners Insurance Quote in Albuquerque NM
Your property is more than just your house, make sure all of it is protected.
📞 Call ABQ Insurance: 505-217-2100
💻 Get your Home Owners Insurance Albuquerque NM quote today
