Franklin Insurance Agency

2345 Southern Blvd SE Ste C4,
Rio Rancho, NM 87124, United States

Mobile MapGet Directions
  • American Modern
  • BTIS
  • CNA
  • Dairyland
  • Encompass
  • Hagerty
  • Liberty Mutual
  • Metlife
  • Nationwide
  • Progressive
  • RLI
  • Safeco
  • Stillwater
  • The Hartford
  • Travelers

Is Outdoor Property Covered by Home Insurance?

A homeowner’s insurance policy provides coverage for various risks that may impact your real estate investment and its occupants. If you live in and around Rio Rancho, NM, the insurance professionals at Franklin Insurance Agency can help you determine how best to protect your home, family, and assets.  

Does Homeowner’s Insurance Cover Outdoor Property?

Yes, a policyholder’s outdoor property will be covered; however, the scope of insurance will be contingent on the terms of the policy you hold. The outdoor items that are generally covered by a home insurance policy include –

Outside Property Structures

Standard home insurance policies often cover structures on your property, such as an outdoor shed, a fence, or a detached garage. Coverage is usually a percentage of the main dwelling coverage limit.

Outdoor Personal Belongings

Homeowners’ insurance typically covers Outdoor personal belongings, including outdoor grills, patio furniture, or lawn equipment. Note that policy limits may exist, so high-value items might best be covered by a special endorsement.


Landscaping, including plants, flowers, and trees, is not typically covered by a homeowner’s insurance policy; however, driveways and retaining walls might be covered if damaged by a covered event.

Liability Coverage

A homeowner’s policy will often include liability coverage should an accident happen (for which the insured is found to be legally responsible) in the property’s backyard or driveway.  

Contact a Leading Rio Rancho, NM Homeowners Insurance Firm

If your home has unique or valuable outdoor features, discussing available coverage options is a smart idea to ensure your home and family are sufficiently protected. To speak with an insurance professional at Franklin Insurance Agency about homeowners’ insurance coverage to meet your needs, contact a Franklin Insurance Agency staff member at 505-891-8733 or online.