Does home insurance cover other structures on my property?

Does home insurance cover other structures on my property?

Have you ever wondered if your home insurance covers other structures on your property such as a detached garage?  The answer is yes it can.  Home insurance does have coverage available for detached structures, but the coverage will generally need to be added to the policy.  While some insurance companies automatically provide 10% of your dwelling coverage for other structures, other insurance companies may only provide 2% of your dwelling coverage for detached structures.  However, most insurance companies will allow you to increase this coverage to ensure you’re adequately covered.

So what are other structures? 

Many insurance companies typically define other structures as structures on the “residence premises” set apart from the dwelling by clear space. This can include structures connected to the dwelling by only a fence, utility line, or similar connection. 

Examples include detached garages, sheds, and fencing.  It’s important to note that there are generally two restrictions to the coverage.  First, the structure cannot be used in whole or in part for “business” purposes.  And second, the other structure cannot be rented.  Quick side note, if you do have an other structure on your property that you rent, many insurance companies will allow for an endorsement to the policy to extend coverage in these situations, but the coverage is not automatic.

Final Note….

The big thing to remember about other structures is that sufficient coverage may not be automatically included in the policy but may be available.  If you have other structures, you’ll want to discuss them over with your agent.

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