Homeowners: What is Other Structures Coverage?


Other structures is any structure that is not attached to your dwelling, otherwise known as your home.

These structures include but are not limited to:

  • A Shed
  • A Detached Garage
  • A Barn
  • A Gazebo

Your detached structures on your property are generally covered by the same hazards or perils as your home. For instance, your home may be protected by perils like theft, fire, falling objects and vandalism. So, if your shed were to be damaged by a fallen tree, more than likely this would be covered under your homeowners’ policy.

You’re probably wondering how much coverage you will have for your other structures. Well, this number is typically a percentage of your dwelling coverage and in most cases it is 10% of that value. For example, if your dwelling is covered for $300,000 than you would have $30,000 in coverage for your other structures. Now, if you have made any improvements or updates to any of your other structures, you will want to go over this with you agent to make sure you have an adequate amount of coverage.

Lastly, you will want to take into account what you are storing in your detached structures. The good news is, your homeowners policy normally helps protect your belongings regardless of where you keep them. Therefore, more than likely, you will have coverage for them.

Of course, every policy is different and each company is different. It is best that you sit down with your agent and go over each part of your policy to make sure you have all the right coverage in place! To start with a coverage review, click the link below!