What Is Coverage For Other Structures?

​If a covered risk damages a building other than your house, such as a fence, it may be covered under the Other Structures Coverage of a home's insurance policy. If a tree crashes on your garage, for example, coverage for other properties may be able to help you pay for the repairs.

What Structures are Covered?
Other structures often encompass the following items on your property:

• A wall not attached to your home
• Unattached garage
• A ground swimming pool
• Gazebo

Your home and other structures on your domain are usually protected from the same dangers as your home. So, if you have a home insurance policy that covers things like theft, fire, falling items, and vandalism, It will most likely protect your fence as well. Find out what your policy covers by reading through it entirely.

If you include a new structure on your property, the lumber and other supplies that will go into it may be covered by your homeowners' insurance Other Structures Policy.

Suppose you're renting out an in-law apartment on Airbnb or converting a shed into an office. In that case, you'll need to talk to your agent about acquiring a rider if you're utilizing a structure on your property for commercial reasons. Any structures used for commercial purposes will require a business or rental rider, or endorsement, on your policy.

How Much Coverage Do You Require for Additional Structures?
Other structures are usually covered at 10% of the dwelling coverage on regular homeowners insurance. Whether or not you have separate structures on your property, this sum is included.

So, the question is, what exactly can you do if you have a far more valuable structure? It may include a lot of pricey alternatives, as well as a lot of wiring and plumbing. If this is a problem, you should speak with an insurance agent, as most insurers will enable you to enhance your other structures' coverage if necessary. 

You may also choose a policy with a certain replacement value, which allows you to get paid more than the insurance limit on a claim if you need to replace anything.

Bottomline
The dwelling coverage in a basic homeowners insurance policy refers to a home's primary structure. Other buildings' coverage is meant to protect structures that are not immediately related to the primary building, such as detached garages, sheds, and even swimming pools. 

You can make sure you get the finest home insurance for your house by knowing how much protection you need and what defines an "other structure."

At Priority Insurance LLC, we aim to provide comprehensive insurance policies that make your life easier. We want to help you get the insurance that fits your needs. You can get more information about our products and services by calling our agency at (864) 297-9744. Get your free quote today by CLICKING HERE. The coverage discussed in this article is not guaranteed. Please call our agents, we are happy to help you learn more about your plan and make sure you have the coverage you need.