What is Other Structures Coverage?
‘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, VA
- 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, FL
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