Other Structures Insurance

May 16, 2023

Other structures includes property that's set apart from the main dwelling by a distinct space or connected only by a fence.

Detached garage? Gazebo? Fence? In-ground pool?

As a homeowner, you likely have a significant investment in your property. Your home, as well as other structures on your property, such as a detached garage, shed, are valuable assets that should be protected by appropriate insurance coverage. One essential component of your insurance policy is other structure coverage. Here’s what you need to know about proper insurance on other structure coverage.

Other structure coverage is a component of most homeowners insurance policies that provides coverage for structures on your property that are not attached to your home. Examples of such structures include detached garage, sheds, fences, driveways, gazebo, and in-ground pools.

The amount of other structure coverage you need will depend on several factors, including the number and type of structures on your property and their replacement cost. it’s essential to work with your insurance provider to determine the specific and appropriate amount of coverage needed to fully protect your property from a potential loss.

It’s also important to periodically review your other structure coverage to ensure that it’s keeping up with any changes to your property. For example, if you’ve added a new shed or detached garage to your property, you may need to increase your other structure coverage to reflect these changes.

It’s important to note that other structure coverage may have limitations or exclusions for certain types of structures or losses. For example, some policies may exclude coverage for structures used for business purposes or structures that are not constructed with permanent materials. It’s crucial to review your policy and work with your insurance provider to ensure that you understand what is and is not covered by your other structure coverage.

Having proper insurance on other structure coverage is crucial to protecting the valuable assets on your property. It’s essential to work with your insurance provider to determine the appropriate amount of coverage needed and to periodically review your coverage to ensure it is keeping up with any changes to your property.

“Homeowners Insurance & Other Structures.” Www.amfam.com, www.amfam.com/resources/articles/at-home. Accessed 14 Apr. 2023.

Minnesota Homebuyer’s connection (2022) Minnesota Homebuyer’s Connection. Available at: https://mnhomebuyersconnection.com/ (Accessed: March 24, 2023).