“Other structures” on your homeowner’s insurance policy often refer to attached and detached structures such as garages, carports, tool sheds, and barns. When it comes to other structures on your property, coverage on your homeowner’s policy will vary from carrier to carrier. If you have multiple structures – either attached or detached to your home – on your property, it is worth investigating to find out what is covered and what isn’t under your homeowner’s policy should a claim arise.
Garages | Carports | Porches | Pool Enclosures
Not all policies treat these structures as part of your house and may exclude or limit coverage to actual cash value only (depreciated cost), or may only cover certain components instead of the entire structure.
Quality homeowner insurers cover most types of attached structures at full replacement cost, including full pool enclosures or cages (both frames and screens). If the damage is caused by a covered peril (anything that your home would be covered against), the attached structures are generally covered as well.
Barns | Boathouses | Detached Garages | Tool Sheds | She Sheds
Quality homeowner insurers consider these to be buildings and insure at full replacement cost, meaning the amount required to cover the materials and labor to rebuild the structure to similar parameters. Personal property kept inside these structures are typically covered to the same extent as personal property kept in the main house.
Fences | Docks | Gazebos
These are not considered buildings and are covered at actual cash value, meaning the current market value which is depreciated based on age and condition. Coverage for personal property outside of a fully enclosed building will vary, depending on the cause of loss.
Ask your agent what your policy covers when it comes to other structures and help ensure you have the best coverage available for all structures and personal items located on your property.