Are there any items outside of my actual home but on my property that are covered by my homeowners insurance?

Yes, many homeowners insurance policies provide coverage for items that are located outside of the home but on your property. Some examples of items that may be covered by your homeowners insurance policy include:

• Detached structures: This includes structures that are not attached to your home, such as sheds, garages, and fences.
• Personal property: This includes items that are not permanently attached to your home, such as outdoor furniture, grills, and lawn equipment.
• Landscaping: This includes trees, shrubs, and other landscaping elements that are located on your property.

It's important to review your homeowners insurance policy to understand the specific coverage limits and exclusions that apply to these types of items. In some cases, you may need to purchase additional coverage or endorsements to ensure that your outdoor items are fully protected. If you have any questions or concerns about the coverage provided by your homeowners insurance policy, it's a good idea to speak with your insurance agent. They can provide you with guidance on your coverage options and help you find a policy that meets your specific needs and budget.