Other Structures Coverage
What is other structures coverage?
What is other structures coverage?
Other structures coverage is the part of your homeowners insurance that helps pay for damage to structures on your property that aren't attached to your house.
Examples of structures that typically fall under other structures coverage
Detached garages
Separate guest houses
Detached patios or decks
In-ground pools
Driveways and walkways
Sheds
Fences
Mailboxes
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How much coverage do I have for other structures?
How much coverage you need always depends on your particular situation but most companies will start with 10% of your dwelling coverage limit. That means if your home dwelling coverage is $350,000, you would see $35,000 in other structures coverage. Some companies allow you to increase this if needed.
What is typically covered by other structures coverage?
Other structures on your property are usually protected against the same disasters and losses as your house is. While coverage can vary from state to state or from one geographical region to another, homeowners policies typically help cover damage from the following events:
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Fire/smoke
Lightning strikes
Windstorms
Hail
Explosion
Vandalism
Theft
Damage caused by the weight of snow, sleet or ice
Falling objects
Damage from an aircraft
Damage from a motor vehicle
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While these hazards are typically covered by home insurance policies, you should always check your own home insurance policy to be sure of what it covers