Is a newly constructed Screen enclosure Structure covered if I don't actually add it to my existing homeowners policy?

Free Insurance Quote Comparison

 Secured with SHA-256 Encryption

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Full Bio →

Written by

UPDATED: Aug 14, 2018

Advertiser Disclosure

It’s all about you. We want to help you make the right legal decisions.

We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.

Insurance Question from Venice, FL

Asked on 08/14/2018

Is a newly constructed Screen enclosure Structure covered if I don't actually add it to my existing homeowners policy? I recently added a screened lanai/enclosure (cost $9,000.00) to my house which was built in 1964. Is the screened enclosure covered if I don't specifically add it to the homeowners policy I have. My current "Dwelling Liability Limit" is $218,000.00, I paid $74,500 for the house in 1998.

Answer given on August 27, 2018

If you added an enclosure to your home, it will increase the replacement cost of your home. This is presuming that the enclosure is attached to the home.  If it is a separate structure, it would be covered under the additional structures coverage of the homeowner policy. This amount is usually 10% of the dwelling limit, so in your case it will be $21,800.  However, if it is a part of the home, you need to review your insurance coverage to be certain you have enough insurance on the home, including this addition.

In recent fires and other catastrophes throughout the nation people have learned that they were seriously underinsured.  While I do not know the current size of your home, you should discuss the insurance amount with your insurance agent or insurance company. You may also want to talk to a contractor as to their estimate of construction costs in your area.  It is not in your best interests to “low ball” your insurance in an attempt to save money. If you have a total loss of your home, you will come out on the short end.

IMPORTANT NOTICE: These answers are for general information purposes only and are provided by the person answering and AS IS. It has not necessarily been reviewed by the management staff of nor is it binding any insurance agent, broker, or other insurance professional or any attorney or insurance company. Insurance laws, regulations and practices vary from state to state and insurance policies and practices differ from company to company, by type of policy, by state and locality and by type of insurance. Tiny variations in the facts, policy language or a detail not set forth in a question often can change the outcome or a professional's conclusion. Although has confirmed that the answer(s) was/were provided for the account of an experienced insurance professional, that professional may not be licensed in the state referred to in the question, and may not be experienced or up to date in the subject area. Unlike the answers provided here, upon which you should NOT rely, for personal advice you can rely upon we suggest you consult a licensed insurance professional in your area or retain a licensed attorney listed on to represent you.

Free Insurance Quote Comparison

Enter your ZIP code below to compare cheap insurance rates.

 Secured with SHA-256 Encryption