Other Structures Coverage

Other structures coverage (Coverage B) protects buildings on your property that aren't attached to your main home.

What's Typically Covered:

• Detached garages
• Storage sheds
• Workshops
• Gazebos and pergolas
• Fences and retaining walls
• Guest houses (not rented out)
• Swimming pools
• Driveways and walkways

  Coverage Amount:

Typically 10% of your dwelling coverage. If your dwelling coverage is $300,000, other structures coverage would be $30,000.

What's NOT Covered:

• Structures used for business
• Structures rented to non-family members
• Damage from excluded perils (flood, earthquake)

  Increasing Coverage:

If your detached structures are worth more than 10% of your dwelling, you can purchase additional coverage through an endorsement.

Documentation: Keep a record of all structures on your property, including:

• Photos from multiple angles
• Construction details
• Replacement cost estimates
• Contents stored in each structure