What is other structures coverage?
Other structures insurance, also known as detached structures insurance, typically covers any structures that are located on your home's premises - but that are not necessarily attached to your home - in the event of a covered loss.
What does other structures insurance cover?
Other structures insurance may cover the following:
- Garages
- Sheds
- Barns
- Fences
- Driveways
- Retaining walls
- Swimming pools
- Gazebos
- Additional structures that are not part of the house
Always review your other structures coverage limits after you've made improvements or additions to the structures on your property (like adding fencing or building a small shed).
How much other structures coverage do I need?
Homeowners insurance policies provide limited coverage for these "other structures," typically 10 percent of the other structures coverage amount, but this could vary by state. If you'd like to purchase additional coverage for detached structures on your property (beyond what's provided in your policy), let us know. Additional coverage may be available in some states.
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