‘Other Structures’ Coverage (Coverage B) is the portion of your home insurance policy that covers the cost of rebuilding/repairing the additional structures on your property other than your home. This includes detached garages, sheds, and other detached buildings on your property that may be damaged by a covered peril.
Typically, a standard home insurance policy will provide 10% of the total dwelling coverage as coverage for additional structures. For example, if you have $100,000 worth of coverage for the structure of your home, your policy would include $10,000 of coverage for other structures.
If you think you may need additional coverage above and beyond the standard 10%, talk to a home insurance agent about scheduling an endorsement on your policy.
Read some of our customers’ questions about other structures coverage.
During a recent windstorm an old tree fell in our yard and crushed our detached garage. We need to replace it ASAP- Is this covered under our home insurance policy even though it’s not connected to our home ?
Lillian P.- Roanoke, Virginia
I recently reviewed our home insurance policy after not looking at it for years. I am concerned that we are no longer adequately insured. How can we figure out how much home insurance we need?
Mary P.- Port Charlotte, Florida
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Have other questions about home insurance or how to get started? Visit our FAQ page to see questions that have been posted by our customers. Or- post a question that you would like to see answered! Want to speak with one of our licensed agents? Enter your phone number here and one of our agents will call you. Or call an agent directly at 1-877-50-MyHome.
Q: What does a standard home insurance policy cover?
A: A standard home insurance policy includes six basic types of coverage:
- Coverage A- Dwelling
- Coverage B- Other Structures on Your Property
- Coverage C- Personal Property/Contents
- Coverage D- Loss of Use
- Coverage E- Personal Liability Protection
- Coverage F- Medical Payments
