When it comes to understanding what your homeowners insurance actually covers, built-in features often create the most confusion. Most homeowners assume everything attached to their house is automatically covered, but the reality is more complex than that simple assumption. Rich Insurance Agency LLC, serving Kansas City MO, helps homeowners understand exactly what’s covered and what might require additional protection for their built-in investments.
Understanding Standard Coverage for Built-Ins
Most homeowners insurance policies cover built-in cabinets, fixtures, and other permanently attached features as part of your dwelling coverage. This typically includes kitchen cabinets, bathroom vanities, built-in bookcases, and hardwired light fixtures. However, the coverage amount depends on your dwelling coverage limits and whether you have replacement cost or actual cash value coverage. Custom or high-end built-ins may exceed standard coverage calculations, leaving you with potential gaps.
When Standard Coverage Falls Short
Expensive custom cabinetry, designer fixtures, or specialty built-ins often cost more to replace than standard insurance calculations account for. If you’ve invested significantly in custom kitchen cabinets, built-in entertainment centers, or luxury bathroom fixtures, your standard policy might not fully cover replacement costs. Additionally, some policies have specific limits for certain types of fixtures, particularly decorative or luxury items.
Protecting Your Investment
Consider scheduling high-value built-ins separately on your policy or increasing your dwelling coverage limits if you have extensive custom work. Document everything with photos and keep receipts for major installations. This documentation becomes invaluable when filing claims.
Get Proper Protection
Don’t assume your built-ins are fully covered without reviewing your policy details. Rich Insurance Agency LLC, serving Kansas City MO, can evaluate your current coverage and recommend adjustments to properly protect your home’s built-in features.
