What Are Other Structures in Home Insurance?

Home insurance protects a dwelling and its contents. A comprehensive policy includes various coverages, one of which safeguards structures on the property that are not the main house. This “other structures” coverage provides financial security for additional buildings.

Defining Other Structures

In a homeowners insurance policy, “other structures” refers to buildings or constructions on the policyholder’s property that are distinct and separate from the primary dwelling. These structures are typically not physically connected to the main house, or if they are, the connection is limited to elements like a fence or utility line. This separation distinguishes them from the main residence.

Common examples of these detached structures include detached garages, sheds, and carports. Other examples extend to recreational structures like gazebos, pergolas, and in-ground swimming pools. Fences, mailboxes, and guest houses can also fall under this category. Coverage for these items differs from that for the main home or personal belongings within them.

How Other Structures Coverage Works

Other structures coverage is generally included as a standard component of most homeowners insurance policies. This coverage is typically calculated as a percentage of the main dwelling’s coverage amount, often ranging from 10% to 20% of the primary home’s insured value. For instance, if a home is insured for $300,000, the other structures coverage might be set at $30,000. Policyholders may have the option to adjust this percentage higher if they possess high-value detached structures, though increasing the limit can affect the overall premium.

This coverage generally protects against the same perils that are covered for the main dwelling, such as fire, wind, hail, and vandalism. It is primarily intended to cover the structure itself, facilitating its repair or rebuilding after covered damage. The contents within these other structures are typically covered under the personal property section of the homeowner’s policy. Most policies provide this coverage on a replacement cost basis, meaning the insurer aims to cover the cost to rebuild or repair the structure without deducting for depreciation, up to the policy limit.

Common Exclusions from Other Structures Coverage

While other structures coverage provides broad protection, certain items and circumstances are typically excluded. Structures used primarily for business purposes, such as a detached office for a home-based business or a rental unit, are generally not covered under a standard policy and may require separate commercial property insurance. The land itself is also excluded from coverage.

Structures built or used for illegal activities are not covered. Standard policies often exclude damage from perils such as floods and earthquakes, meaning separate policies or endorsements are usually necessary for protection against these events. Normal wear and tear, damage from pests like insects or rodents, and gradual water damage are also common exclusions. For unique or high-value structures, such as extensive retaining walls or custom-built features, policyholders should review their specific policy to understand limitations and consider purchasing additional endorsements to ensure adequate protection.