What type of items does the Outdoor Property extension cover?

The Outdoor Property extension specifically covers items that are typically classified as outdoor property. This includes fences, antennas, and landscaping, which are all integral parts of a property's outdoor environment. Such items are susceptible to damage from various perils, and the Outdoor Property extension provides necessary protection for these assets.

In the context of commercial insurance, covering items like fences and landscaping helps ensure that a business can maintain its premises and operations without bearing the financial burden of replacing or repairing these outdoor structures.

Other items, such as machinery, detached trailers, vehicles, and stock kept outside, are generally covered under different sections of a commercial policy or require different types of coverage. For instance, machinery would usually fall under equipment coverage, while vehicles are typically insured under an auto policy. Understanding the scope of the Outdoor Property extension allows business owners to better navigate their insurance needs effectively.