What Is Considered Other Structures on Homeowners Insurance?
Understand what your homeowners insurance defines as "other structures." Learn about the scope of coverage, typical limits, and common exclusions for detached property features.
Homeowners insurance policies provide financial protection against various risks that can affect a property. These policies typically divide coverage into several components, addressing different aspects of a home and its surroundings. Understanding these distinct coverage areas helps homeowners ensure their entire property receives appropriate protection. One such component specifically addresses structures that are not part of the main house.
Defining Other Structures Coverage
“Other structures” coverage, known as Coverage B, applies to structures on a property separated from the main dwelling. This coverage is distinct from dwelling coverage, which protects the primary home itself. For a structure to fall under Coverage B, it must be detached, even if connected by a fence or utility line. This separation is the key factor for coverage under this section. Coverage B is typically included in standard homeowners insurance policies.
Types of Structures Typically Covered
“Other structures” coverage typically includes many common residential structures. These often include detached garages, sheds, gazebos, fences, unattached carports, and permanent, built-in swimming pools. Driveways and mailboxes not connected to the main dwelling may also be covered.
Structures Often Excluded or Limited
Standard “other structures” coverage may exclude or limit certain structures or uses, often requiring specific endorsements or separate policies. Structures used for business purposes, such as an office in a detached garage or a barn for commercial farming, are generally not covered. If a guesthouse is rented to individuals not tenants of the main dwelling, its coverage may also be limited or excluded. Additionally, land, trees, shrubs, and plants are typically not covered under this section, nor is damage from wear and tear, pests, or certain natural disasters like floods or earthquakes.
Understanding Coverage Limits
The coverage amount for “other structures” is typically a percentage of the dwelling coverage (Coverage A) on a homeowners insurance policy. This is often 10% of the dwelling’s insured value. For example, a home with $400,000 in dwelling coverage would generally have $40,000 for “other structures.” This limit applies to the total value of all other structures combined, not each individually. Homeowners can often purchase higher limits if their detached structures exceed this default amount.
Reviewing Your Policy and Specific Needs
To understand your “other structures” coverage, review your homeowners insurance policy documents. Pay close attention to the declarations page and the section detailing Coverage B. Policy details can vary, so confirming what is covered is important. If you have unique structures or believe the standard coverage limit is insufficient for their replacement value, contact your insurance agent or provider. They can clarify existing coverage and discuss options for increasing limits or adding necessary endorsements for adequate protection.