Does The Gazebo Need To Be Insured? (Expert Advice)

A gazebo is a beautiful addition to your home. It provides shade, privacy and a place where you can entertain friends and family. 

However, it’s not just a pretty face; it’s also made of wood and can be damaged by weather or vandals if not properly maintained. Here’s what you need to know about insuring your gazebo:

Best Gazebo Ever! How To Build Gazebo For Backyard?
Key Takeaways from “Does the Gazebo Need to Be Insured? Expert Advice”
Homeowners insurance may or may not cover gazebo damage
A gazebo may need to be insured separately as an outdoor structure
Consider the value of your gazebo and the risks it may face
Talk to your insurance agent to determine the right coverage

Does The Gazebo Need To Be Insured?

Do you need to insure your gazebo? The answer is that it depends on what type of insurance policy you have and how the property is being used.

If you own a property and don’t rent out any parts of it, then it’s likely that your homeowner’s insurance policy will cover any damage done by fire or weather-related events. 

However, if you own a property but rent out part of it (like an apartment), then this will not be covered by homeowner’s insurance since those are considered separate properties under renter’s policies.

If you rent out all or part of your house, then renter’s insurance may provide coverage for any damage that occurs during the rental period. 

This would include gazebos which are often rented separately from houses and other structures on the property such as sheds and detached garages (but not detached carports).

Are you considering adding a gazebo to your backyard but aren’t sure if it’s worth the investment? Our article on the worth of gazebos from an owner’s perspective offers insights into the benefits and drawbacks of owning a gazebo, helping you make an informed decision before you buy.

Can You Buy Insurance For A Gazebo?

It is not possible to get insurance for a gazebo. If you want to protect yourself against damage or loss of your gazebo, you will have to purchase a separate policy from an insurer. The cost of insuring your gazebo depends on a number of factors, including:

  • The size and value of the structure
  • Where on your property it is located
  • Your personal risk factors (for example, if you live in an area prone to storm damage)

Types of Gazebo Insurance Coverage

Types of Insurance CoverageDescription
Homeowners InsuranceHomeowners insurance may or may not cover gazebo damage, depending on the policy. It may also offer coverage for other structures, including gazebos, under certain conditions. It’s important to review your policy and talk to your insurance agent to determine the extent of your coverage.
Specialty InsuranceSpecialty insurance policies, such as outdoor structure insurance, may offer more comprehensive coverage for gazebos and other outdoor structures. These policies may cover damage caused by a wider range of events, such as flooding or earthquakes, and may offer higher coverage limits. However, they may also come with higher premiums.
Umbrella InsuranceUmbrella insurance policies provide additional liability coverage beyond what is offered by other insurance policies, such as homeowners insurance. This type of insurance can provide coverage for accidents or injuries that occur on your property, including in and around your gazebo. It’s important to talk to your insurance agent to determine if an umbrella policy is right for you.

Are Gazebos Covered By Insurance?

A gazebo is a structure that’s placed on the ground, usually in the yard or garden. It consists of four sides and a roof. 

Gazebos can also have doors and windows, but they’re not as common as other types of structures like sheds or houses. Gazebos are typically made from wood, but some may be made from metal or brick instead.

Gazebos are covered by insurance if they’re greater than 250 square feet in size and they’re on your property somewhere other than inside your house (like in your backyard). 

Insurance companies will usually cover these types of structures under an umbrella policy known as “all risks” coverage even though there aren’t many risks associated with them; however, it’s still important to have one because sometimes accidents happen!

If you live in an area with strong winds or are concerned about the safety of your gazebo during inclement weather, check out our guide on gazebo safety in wind from an owner’s perspective. We share tips on how to ensure your gazebo stays secure during high winds, as well as some precautions you can take to keep your gazebo safe.

Do Insurance Companies Cover Gazebos?

As you can see, the answer to the question “Do insurance companies cover gazebos?” is no. Insurance companies don’t cover wooden gazebos, metal gazebos, plastic gazebos, aluminum gazebos or any other kind of structure that you might use as an outdoor patio or porch. 

This is because all homeowners insurance policies have exclusions for structures that are not permanently attached to your home.

Does My Homeowner’s Insurance Cover A Gazebo?

No, it does not. If you want to protect your gazebo, you will need to get an additional insurance policy for it.

How Much Does It Cost To Insure A Gazebo?

The price of the policy will vary depending on the size and materials used in constructing your gazebo. 

For example, if you are building a traditional wood frame structure with vinyl siding, we would expect that the average cost would be about $500 per year. 

If instead you were building a metal or glass-walled structure with large windows on three sides, then we might expect that the average annual premium would increase by as much as fifty percent ($750).

Don’t let a rainy day ruin your outdoor plans – make sure your gazebo is rainproof! Our article on gazebo rainproofing explained offers tips and tricks for making your gazebo waterproof, so you can enjoy your backyard space rain or shine.

Does Homeowners Insurance Cover A Gazebo?

It all depends on the type of gazebo you have. If it is a permanent structure, it may be covered by your homeowner’s insurance policy as an additional living space or living area. 

If it is temporary, however, your homeowner’s policy will most likely not cover the cost of damage to it caused by storms or other natural disasters.

If you are unsure whether or not your current homeowners coverage provides coverage for gazebos and other structures like pergolas and sheds, contact your insurer directly for more information.

Do You Need To Have Your Gazebo Covered By Insurance?

Some things are not covered by homeowners insurance. Gazebos are one of those things. It’s important to understand what is and isn’t covered by your homeowners policy before you make any big purchases or start building an addition to your home that could be damaged in a fire or other disaster.

In this article, we will discuss whether a gazebo is included in the list of things that typically aren’t covered by homeowner’s insurance, as well as how much it might cost for you to buy additional coverage for it.

Adding a gazebo to your backyard not only creates a relaxing outdoor space for you and your family to enjoy, but it can also increase the value of your home. Check out our article on whether a gazebo adds value to your home from an owner’s experience to learn more about the benefits of investing in a gazebo.

Is My Wooden Gazebo Covered By Insurance?

You don’t need to worry about buying additional insurance for your gazebos. If you have homeowner’s insurance, it will cover any structures that are on your property.

The same goes if you have renters insurance or condo-owner’s insurance; both of these types of policies would include coverage for the structure that is sitting outside of the actual house.

So yes, you can rest assured knowing that if something happens to your gazebo at home—whether it’s due to weather damage or vandalism your policy will cover the cost associated with repairs or replacement.

Do I Need To Buy Homeowners Insurance To Cover My Gazebo?

No, you don’t need homeowner’s insurance to cover your gazebo, but we’d strongly recommend it.

For one thing, if you have a fire or other disaster and lose your home and belongings while they’re in the backyard under the protection of that gorgeous wooden gazebo, having homeowner’s insurance will help replace them. 

But there are many other reasons why homeowners should have coverage for their structures:

It can cover damage caused by natural disasters such as tornadoes or floods to your home itself or even its contents (including any items stored within).

It covers theft resulting from burglary attempts on a structure like an unattached garage or storage shed which could include anything from tools kept therein to kids’ toys being stored there temporarily after playtime outdoors.

Homeowners policies also provide liability coverage for injuries sustained by guests on premises during events hosted at those locations (like barbecues), so long as certain conditions are met first; this includes protections against medical bills incurred by someone who gets hurt while playing basketball indoors!

If you’re trying to decide between a hardtop or soft-top gazebo, we’ve got you covered! Our article on the 12 key differences between hardtop and soft-top gazebos outlines the pros and cons of each option, helping you make the best decision for your outdoor space.

How Much Does It Cost To Insure A Gazebo?

The cost of insuring a gazebo depends on the size, location and type of structure. For example, a simple wooden bow-fronted design with an aluminum roof may be less expensive than a large octagonal-shaped metal frame structure with vinyl siding. 

The average yearly insurance cost is usually less than $100 per year, though it could be as high as $1,000 depending on what features your particular gazebo has.

If you’re thinking about purchasing homeowners insurance to cover your new gazebo purchase but aren’t sure if the policy will include coverage for this outdoor living space, keep in mind that most insurers will not offer such coverage unless it is stipulated in the policy language. 

You should also know that some states require all home owners to purchase liability insurance policies before receiving their homeowner’s license; if this is true in your state (or any other), 

then checking with your agent is recommended before buying any type of coverage—even if they don’t explicitly mention gazebos within their policy language!


It’s important to know whether or not your gazebo is covered by insurance. If it isn’t, then you might want to consider buying some coverage for it. 

You can also look into other options, such as renter’s or landlord’s insurance that would cover this structure if you rent or own a home. 

It all depends on what type of property owners have and their needs in regards to protecting their investment.

Further Reading

If you’re interested in learning more about gazebo insurance and coverage, check out these resources:

Does Homeowners Insurance Cover Gazebo Damage? – Learn about the types of gazebo damage that may be covered by homeowners insurance and how to file a claim if your gazebo is damaged.

Is Your Gazebo Covered by Home Insurance? – Find out if your gazebo is covered under your home insurance policy, as well as the types of gazebo damage that may not be covered.

Other Structures Coverage – Discover more about other structures coverage in homeowners insurance, including what it covers and how much coverage you may need.


What types of gazebo damage may be covered by homeowners insurance?

Gazebo damage caused by events such as wind, hail, lightning, and vandalism may be covered by homeowners insurance, depending on your policy.

How do I file a claim for gazebo damage under my homeowner’s insurance?

To file a claim for gazebo damage under your homeowners insurance, contact your insurance company as soon as possible to report the damage and provide any necessary documentation, such as photos or estimates for repairs.

What types of gazebo damage may not be covered by homeowners insurance?

Gazebo damage that is caused by wear and tear, lack of maintenance, or flooding may not be covered by homeowners insurance.

Is gazebo coverage included in standard homeowners insurance policies?

Gazebo coverage may or may not be included in standard homeowners insurance policies. Some policies may offer coverage for other structures, which can include gazebos, while others may require additional coverage.

How much coverage do I need for my gazebo?

The amount of coverage you need for your gazebo depends on several factors, including the value of the gazebo and the types of risks you want to protect against. It’s important to talk to your insurance agent to determine the right coverage for your specific situation.