Home Insurance in Oklahoma City: Coverage for Outdoor Entertaining Spaces

Summer evenings in Oklahoma City are perfect for grilling out, gathering around the firepit, or hosting friends under the string lights in the backyard. Many homeowners have invested in outdoor kitchens, pergolas, and upgraded patios to make their yards an extension of their living space. But here’s a question most people don’t ask until it’s too late: are these outdoor entertaining spaces covered by your home insurance?

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​What Counts as an Outdoor Structure?

Insurance companies often classify things like:

• Detached patios and pergolas
• Outdoor kitchens and built-in grills
• Gazebos and cabanas
• Firepits and fireplaces
• Decks and detached seating areas

as “other structures” in your homeowners policy. This means they’re usually covered, but under a separate category from your main dwelling.

How “Other Structures” Coverage Works

Most home insurance policies in Oklahoma City automatically include protection for detached structures — usually around 10% of your main dwelling coverage. For example, if your home is insured for $250,000, your policy may include $25,000 of coverage for outdoor structures.
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This might sound like plenty, but if you’ve added a custom outdoor kitchen with granite countertops, a gas line, and appliances, costs can add up fast. Without adjusting your policy, you could find yourself underinsured after a fire, storm, or theft.

Common Risks for Outdoor Spaces in Oklahoma

Outdoor entertaining areas face the same hazards as your home — plus a few extras:

• Severe weather: Oklahoma storms can bring hail, wind, and lightning that damage patios, kitchens, or detached decks.
  
• Fire risks: Built-in grills and firepits create more opportunities for accidental fire damage.
  
• Theft and vandalism: Appliances, furniture, and electronics left outside are more vulnerable to theft.
  

Having the right insurance ensures you don’t have to pay out-of-pocket for expensive repairs or replacements.

Tips for Protecting Your Backyard Investment

• Check your limits: Review how much “other structures” coverage your policy actually provides.
  
• Update your agent: If you add a new outdoor kitchen, pergola, or major upgrade, notify your insurance agent right away.
  
• Consider endorsements: Some insurers offer endorsements (policy add-ons) for higher-value outdoor features.
  
• Document upgrades: Keep photos and receipts for improvements in case you ever need to file a claim.
  

​Make Sure Your Policy Matches Your Lifestyle

Your backyard is more than just grass — it’s where you relax, host friends, and make memories. That’s why protecting your outdoor spaces with the right insurance coverage is so important.
At Oklahoma Insurance Professionals, we help families in Oklahoma City, Edmond, Norman, and across the metro make sure their policies cover not just their homes, but the extras that make them truly feel at home.
Thinking about your outdoor kitchen or pergola? Let us review your coverage so you know it’s protected before the next summer storm rolls in.

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Scott Godwin
Founder

Oklahoma Insurance Professionals LLC serves Oklahoma City and the surrounding Oklahoma communities by protecting the people we work with just like we protect our own family members. Home insurance, auto insurance, business insurance, and more. We can help you find the coverage you need. ​