Why You Need To Know “Home Other Structures Coverage Policy” in Homeowners insurance

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Home Other Structures Coverage

Home structure coverage can pay for damage to items such as fences, sheds or detached garages.

Home Structures Coverage is part of a homeowner’s policy that pays out if fences, sheds or other detached structures are damaged on your property.

Home Structure Insurance covers damage from causes such as fire, hail, wind and vandalism.

The Home Structure coverage limit is generally set at 10% of your occupancy coverage limit.

Homeowners insurance covers not only your home but other parts of your property as well. If lightning strikes your shed or a blizzard takes part of your fence, other structure coverage in your policy can help pay for the damage.

What is home other structures coverage definition?

Other structure coverage is part of a homeowner’s insurance policy
that helps pay to repair or replace structures other than your home,
such as fences, if they are at risk of damage. For example, if a tree
falls in your detached garage, other structure coverage can help pay for

This Policy include the following examples of other structures coverage:

  • Fence.
  • Detached garage.
  • Shed.
  • Gazebo.
  • Guesthouse.
  • Driveway.
  • Dock. 

Swimming pools may also be covered by other structure insurance, but it’s a good idea to double-check with your insurance company. Some companies include in-ground pools under shelters instead of other structures, especially if they are attached to your home by walkways or enclosures. If you have an above-ground portable pool that you can take to another home, it’s probably under private property protection.

Why is it important? Because replacing a damaged pool can be expensive, you’ll want to make sure the appropriate section of your policy has a high enough cap to cover it.

Read Why Homeowner insurance is important here.

Other structure scopes only pay for the broken structure itself – not for anything stored within it. Let’s say your shed catches fire and everything inside is destroyed, including lots of garden tools and supplies. Other structure coverage will pay to rebuild the shed, but the items inside will be covered by your personal property insurance.

Is another scope of other structure required?

You are not legally required to purchase coverage for any other structure. However, most mortgage lenders require the borrower to have homeowner’s insurance, which almost always includes other structure coverage.

If your mortgage is paid off or you paid cash for your home, you can get away without homeowners insurance. But doing so may not be worth the risk if you don’t have the financial resources to rebuild your home after a disaster.

What does other structure insurance cover?

Other structures on your property are generally covered for the same disasters as your home, including fire, hail, wind, and vandalism. Most homeowner policies cover your home and other buildings on an “open hazard” basis. This means that as long as certain disasters are not specifically excluded on your policy, they are covered.

In rare cases, your homeowner’s policy may cover other structures based on “named hazards.” This means your property is only covered for disasters specifically mentioned in your policy. These generally include the following :

  • Fire or lightning.
  • Windstorm or hail.
  • Explosion
  • Riot or civil commotion.
  • Damage caused by aircraft.
  • Damage caused by vehicles.
  • Smoke.
  • Vandalism or malicious mischief.
  • Theft.
  • Volcanic eruption.
  • A falling object.
  • The weight of ice, snow or sleet.
  • Accidental discharge of water or steam.
  • Sudden and accidental tearing apart, cracking, burning or bulging.
  • Freezing of certain household systems or appliances.
  •  Certain sudden, accidental damage from artificially generated electric currents.

Not sure what type of homeowners policy you have? Call your agent or contact your insurance company. What does other structure insurance did not cover?
Most homeowner policies have a detailed list of things they won’t cover. Here are some of the most common. 

If heavy rain or an overflowing river causes water to seep into the shed, the damage will not be covered under the standard homeowners policy. Homeowners in at-risk areas should consider flood insurance, which is available through the federal government and private insurance companies. Note that federal coverage for other facilities may be limited. Earthquakes and other earth movements
Most homeowner policies exclude coverage for various types of “movement of the earth” such as earthquakes, sinkholes, landslides, and mudslides. You may be able to purchase additional coverage for this disaster. Structures used for commercial activities.
If your shed is used primarily to store tools for your gardening business or you have a small shop in your homestead, the structure is likely not covered under your homeowner’s policy. Instead, you may need business insurance. normal clothes
Insurance is designed as a financial safety net for sudden and accidental problems, not to cover normal home maintenance. So it’s unlikely to help if your old fence is starting to rot or the shingles in your detached garage are worn out. infestation
Preventing damage from termites, rats, and other pests is also considered part of routine maintenance, so your policy usually doesn’t pay to clean up the infestation.

How much coverage from other structures do I need?
Many insurance companies limit your coverage for other structures to 10% of your home coverage limit. So if your home is insured for $300,000, you will have $30,000 coverage for the rest of the building.
The default amount may not always be right for you. If you have an in-ground pool and a large shed, for example, $30,000 may not be enough to replace it if it breaks. Speak to your agent or insurance company representative if you need to adjust your coverage limits for other benefits.

How much cover charge for other structures?
Most people get coverage for other structures as part of a homeowner’s insurance policy, which costs an average of about $1,784 per year in the United States, your rates will vary depending on where you live and how much coverage you need.

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