Structures Coverage - Home Insurance

What is Other Structures Coverage?

<lingo>While the primary purpose of a homeowner's insurance policy is to cover the main structure or home, "other structures" coverage encompasses the other structures on that home's property. These other structures may be totally separate from the main house or may be connected through a fence, walkway, utility line, or awning. Most common structures include detached garages, utility sheds, gazebos, fencing, screened areas, pools and more. These structures are generally covered against the same calamities as the main structure such as storm damage or fire, up to a smaller percentage of the total coverage of the main structure. </lingo> 

Other Structures Coverage Briefly Explained

Other structures coverage, sometimes referred to as "schedule B structures" are structures on a property that are aside from the main home. These structures range from fencing around a property to storage sheds, outbuildings, detached garages, gazebos, decks and more. It is referred to "other structures" insurance because it covers more than just other smaller buildings on a property. For example, buildings are structures, but not all structures are buildings. A fence or swimming pool are not buildings, but they certainly are structures and would be covered under "other structures" insurance. 

<twitter>While the primary purpose of a homeowner's insurance policy is to cover the main structure or home, "other structures" coverage encompasses the other structures on that home's property. Most common structures include detached garages, utility sheds, gazebos, fencing, screened areas, pools and more. </twitter>

Other structures coverage is usually based on a percentage of the coverage of the main structure on the property. For example, a home with $250,000 worth of coverage may have $25,000 worth of coverage for other structures. An insured should pay particular attention to their coverage for other structures when adding an outbuilding, pool or fence. These structures will generally be covered by common problems like storm damage, fire damage, and vandalism. Keep in mind, however, if a main structure is not covered by calamities such as floods or earthquakes, neither will the "other structures".  

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