What are Other Structures?
Other Structures are additional buildings or items on a property that are not connected to the main dwelling. In the context of homeowners insurance, this term refers to constructions such as sheds, fences, detached garages, or gazebos. These structures are typically covered under the “Other Structures” portion of a homeowners insurance policy, which provides financial protection for damage or loss to these items.
Homeowners insurance usually includes coverage for Other Structures up to a certain percentage of the total dwelling coverage, often around 10%. For example, if the dwelling is insured for $300,000, the coverage for Other Structures would be $30,000. This helps ensure that repairs or rebuilding costs for these structures are covered if they are damaged due to insured perils like fire, vandalism, or severe weather.
It’s important to review your insurance policy to understand the limits and exclusions regarding Other Structures. For instance, if you have a larger structure, like a guest house, you may need to adjust your policy to ensure adequate coverage. This aspect of insurance is critical for homeowners who have multiple buildings on their property.