With many deck options available, selecting the perfect one for your home can be daunting. However, each type, from the timeless elegance of wood designs to the innovative durability of composite options, offers unique benefits and aesthetic appeal. Understanding the different types of decks and their key features will help you create an outdoor space customized to your budget and life and empower you with the knowledge to make an informed decision. This article delves into popular deck types, including traditional wooden decks, low-maintenance composite designs, and versatile multi-level layouts, to guide you in your choice.
Factors to Consider When Choosing a Deck
Selecting the ideal deck involves more than just aesthetics. Several important factors should guide your decision:
Material Options: The material you choose will significantly impact the look and longevity of your deck. Natural materials like cedar or redwood provide a timeless appearance but require regular maintenance, such as sealing and staining, to prevent rot and wear. Composite decks, made from a blend of plastic and wood fibers, are durable, low-maintenance, and resistant to moisture and insects. However, they typically have a higher upfront cost. Fully synthetic PVC decks are another low-maintenance option that resists fading, moisture, and insects, making them ideal for humid or wet climates.
Budget: Your budget is critical in choosing deck material and design. While wood is often the most cost-effective initially, ongoing maintenance expenses can add up. Composite and PVC decks have a higher initial price but require less upkeep, potentially saving money over time.
Climate and Environment: The local climate should also influence your material decision. For instance, moisture-resistant materials like composite or PVC may be more durable in humid regions. If your deck will receive prolonged sun exposure, choose materials that resist fading or warping. Opt for materials that can withstand expansion and contraction without cracking in areas with significant temperature fluctuations.
What are the most typical types of decks?
When planning your deck, it’s helpful to know the most typical styles available:
Platform Decks: Platform decks are simple, single-level structures built close to the ground. They’re an excellent option for smaller spaces or gently sloping yards. These decks are often budget-friendly and create a seamless transition between indoor and outdoor areas.
Raised Decks: Raised decks are elevated above the ground and supported by posts or beams. This style is ideal for homes with uneven terrain or elevated entry points, such as walkout basements. Raised decks often include safety features like railings and stairs for easy access.
Multi-Level Decks: Multi-level decks feature two or more connected levels, creating distinct zones for dining, lounging, and grilling. They’re an excellent choice for large properties or homes with varying elevations, adding visual interest and functionality.
Wraparound Decks: A wraparound deck extends around multiple sides of the house, offering panoramic views and numerous access points. These spacious designs are perfect for entertaining or relaxing and work well with larger homes.
Is my deck covered by homeowners insurance?
Whether homeowners insurance covers your deck depends on your policy’s terms and the nature of the damage. Generally, if your deck physically connects to your home, it’s typically covered under your policy's “structure” portion. Coverage often includes damage from fire, vandalism, or severe weather like hail or windstorms.
A deck not attached to your home may be classified as a “separate structure,” which could require additional coverage. It’s important to note that homeowners insurance usually does not cover damage resulting from neglect (such as not repairing a loose railing) or wear and tear (like the natural aging of wood). For example, repairs are unlikely to be covered if your deck suffers damage due to aging materials or lack of maintenance.
Protect Your Deck and Home with SelectQuote
Adding a deck to your home enhances its functionality and aesthetic value, but it’s crucial to understand your insurance coverage. While standard homeowners insurance covers most decks, exclusions and limitations may apply, especially for detached decks, maintenance-related damage, or liability issues.
At SelectQuote, we make it easy to find the right homeowners insurance to protect your deck and home. By comparing unbiased quotes from the nation’s most trusted carriers, we help you secure a homeowners policy that fits your needs and budget.
