ADUs – accessory dwelling units – are more common than ever. People build and maintain ADUs for many reasons. Some people choose to install an ADU to give their guests a place to stay, while others build ADUs so family members can move in. Sometimes, ADUs are used as rental properties.

Are ADUs covered under home insurance? The answer depends on how the ADU is used and how your home insurance policy is written. The professionals at Sound Choice Insurance Agency Inc servicing Lynnwood, WA can help you determine whether your ADU is covered under your home insurance policy, and if it isn’t, we can help you get a policy that meets your needs. 

Is It Covered Under Home Insurance?

If your ADU is a part of your home’s primary structure and is used for close family members, then it is likely covered under your home insurance policy.

If the ADU is detached from your home and is used for guests or close family members, the "other structures" coverage in your policy may apply. You’ll need to check whether the "other structures" coverage in your home insurance policy is enough. 

What If It’s a Rental?

If you’re using your ADU as a rental, then you will likely need a separate policy for landlord or rental insurance. Your insurance agent can help you with this. 

How Can You Find Out What’s Covered Under Your Home Policy?

The best way to find out what’s covered under your home insurance policy is to contact your insurance agent at Sound Choice Insurance Agency Inc servicing Lynnwood, WA. If you need more coverage, we can help you find a policy that works for your home and ADU. We work with many insurance carriers, and we can help you get the coverage that meets your needs.