What Is Considered Other Structures on Homeowners Insurance?
You know the importance of having homeowners insurance in order to protect your home from the unexpected — but it’s also important to understand what’s included in your policy, so you can make sure you’re properly covered. When choosing your coverage, a term you may run into is other structures. What does other structures mean and how does it protect your home? Let’s take a look.
Other Structures Insurance Definition
When an insurance company refers to other structures on a homeowners policy, they’re talking about detached buildings or structures on your property. Other structures commonly includes things like detached garages, gazebos, sheds, swimming pools and fences.
Keep in mind that the other structures on your property are covered for the same types of perils that your home is covered for, such as damages from things like vandalism, fire and falling objects. For example, if a tree falls on your shed, other structures coverage helps cover repairs. Your policy will include everything you need to know about what perils are and are not covered, so make sure to take a look through that to understand how you’re covered.
Are Other Structures Included in My Homeowners Insurance?
You’ll have three options for other structures coverage:
1. You can choose a blanket coverage amount that covers all buildings and structures on your property (except structures used for farming or agriculture).
2. You can pick and choose which buildings or structures to cover and appropriate coverage levels for each.
3. If you don’t have any structures or you don’t want coverage for your other structures, you may choose to opt out of this type of coverage.
It’s important to know that other structures coverage protects the structure itself — not the things you store inside. That’s where the personal property coverage of your homeowners insurance policy steps in to help.
Connect with your American Family agent to review your coverage. They’ll be happy to answer your questions and help you determine if you need other structures coverage added to your policy.