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Home » What is Other Structures Coverage for Homeowners? 
May 27, 2024

What is Other Structures Coverage for Homeowners? 

a building with a covered entrance in the middle of a dirt field insured by other structures coverageHomeownership comes with the responsibility of financially safeguarding not just your main dwelling but other structures present on the property.

Other structures coverage, an often overlooked yet vital component of homeowners insurance, offers this necessary financial protection. Understanding its importance can be critical to comprehensive home insurance planning.

What is Other Structures Coverage?

Other structures coverage is a component of a homeowners insurance policy offering financial protection for structures other than your main home. It’s important to note that the coverage limit for other structures is typically set at a certain percentage of the dwelling coverage amount, often around 10%.

What can Other Structures Coverage Cover?

Other structures coverage can extend to various detached structures such as garages, sheds, fences, driveways, swimming pools, gazebos and even landscaping. It’s important to note that these structures may not be physically attached to your home; they still hold value and may require significant funds to be repaired or replaced.

What Incidents can it Cover?

Other structures coverage can offer financial protection against a wide range of incidents, much like standard homeowner’s insurance. These incidents may include damage from fire, lightning, windstorms, hail, explosions, theft and vandalism. However, it’s crucial to read your policy carefully as certain events like floods or earthquakes likely won’t be covered unless you have additional specific coverage.

Who Needs it?

If you have any detached structures on your property, it’s advisable to have other structures coverage. Whether it’s a tool shed, a detached garage or an elaborately landscaped garden, these structures represent a financial investment that should be protected.

How Much is it?

The cost of other structures coverage in a homeowners insurance policy can be influenced by the following factors:

  • Value of the structures—The cost to repair or replace the structures can significantly impact the coverage cost. Factors such as the age, size, materials used, and any unique features or customization of each structure are considered.
  • Construction costs—The costs associated with construction in your area can also affect the coverage cost. This includes labor costs and the price of building materials.
  • Condition of the structures—The current condition of the structures, including any recent upgrades or renovations, can influence the cost. Structures in good condition may cost less to insure than those in poor condition.
  • Risk factors—The likelihood of damage to the structures can impact the cost. For example, structures located in areas prone to severe weather may have higher coverage costs.
  • Policy deductible—The amount of your policy deductible can also influence the cost of coverage. A higher deductible typically results in a lower premium, but you’ll pay more out-of-pocket if you file a claim.

Homeowners Insurance in Burleson, TX

The goal of insurance is to provide peace of mind and financial stability in the face of unexpected incidents. The goal of the Lone Star Insurance Agency is to help you find the right coverage. Contact our agency to discuss your homeowners insurance needs with an insurance agent to help ensure all aspects of your property are adequately insured.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.

Categories: Blog

Tags: compound, condition of the structures, construction costs, detached garage, homeowners insurance, other structures coverage, policy deductible, risk factors, separate dwelling, value of the structures

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