Is a tree house covered under insurance?
Normally a tree house or any other outside structure which is not attached to the dwelling would be covered under Coverage B Other Structures on a Homeowners Policy Form for 10 to 20% of what the home is covered for under Coverage A Dwelling. For example if you have your home coverage for $200,000 under Coverage A then you would have $20,000 coverage (or $40,000 depending on the company’s form) available to cover a garage, gazebo, shed or in your case a tree house. However, if you use the structure to run any type of business or even store business equipment or inventory in it you have automatically voided out all coverage for the other structure (not just the liability as another poster states). So if you are using the tree house for an office which produces any type of income you will have absolutely no coverage under your homeowners insurance (liability or any other type of peril will not be covered). You would have to obtain a Commercial Package Policy to provide coverage for the l
