Does Homeowners Insurance Cover Sheds? 
Yes , typically unless there is an exclusion written into your policy . Most homeowners policies provide up to ten percent of the policy amount for other structures . If you have a shed that is worth more than ten percent of the policy value then you will want to have your agent secure more coverage for the building through a policy endorsement . Remember every policy is different . Please read your policy completely to understand the coverage provided and any exclusions that there may be or contact your local agent to have them go over the policy with you . 