This coverage insures other structures, detached from your house, such as a detached garage, shed, in-ground pool, gazebo, boathouse, barn, etc. on the same property.

Other structures are insured for the same causes of loss, such as fire, as your house.

If you have no other structures on your property other than your home, you can move on to the next coverage.

Most homeowners insurance policies provide a separate 10% of the amount for which your house is insured, as coverage for other structures, regardless if there are any other structures on your property.

This coverage usually cannot be removed or reduced to lower your premium.

Avoid this mistake: Sometimes, 10% of the amount for which your home is insured is not enough to rebuild the other structures on your property.

It’s not unusual for insurance agents & insurance companies to overlook the need for additional coverage for the other buildings on your property, leaving customers feeling ripped off when they have a claim.

If you have more than one additional structure, or a detached garage with living area, or simply a large detached building, you may find the basic level of this coverage is less than you would need to rebuild your additional structure(s) on your property.

Your agent should be able to tell you if you need more than the standard 10% when your agent determines your home’s reconstruction cost.

Be sure to discuss the reconstruction cost for the additional structures on your property with your agent, if your agent does not mention it.

Unlike a coverage feature available for your house, Other Structures coverage does not pay more than your coverage limit, even if you need more money to rebuild the Other Structure.

Important: if you have any business use from any of your additional structures, such as doing car repair for money from your detached garage, or a wood working business from a detached shop, the other structure is usually NOT COVERED by your homeowners insurance.

If you have ANY business in your home (even storing business property in your garage for your off-site business), other structures, or on your property, contact your agent to discuss how the business affects your insurance and what additional coverage you may need to protect you.

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