If you have a fence, detached garage or another detached structure on your property, you’ll need other structures coverage to make sure they’re properly protected.

Is a deck considered other structures on homeowners insurance?

If your new deck is attached to your home, it is probably covered under the “dwelling” portion of your homeowner’s insurance. If the deck isn’t attached to your home then it would most likely be covered under the “other structures” portion of your policy. Any coverage you add for your deck should be the same.

Is a pool considered other structures?

Is a pool considered an other structure? Sometimes. Some insurers include above-ground pools in their personal property coverage, along with your other belongings. But in-ground pools are usually included in other structure coverage.

What is coverage D on a homeowners policy?

Loss of use coverage, also known as additional living expenses (ALE) insurance, or Coverage D, can help pay for the additional costs you might incur for reasonable housing and living expenses if a covered event makes your house temporarily uninhabitable while it’s being repaired or rebuilt.

What is Coverage B other structure?

Other structures insurance, also known as Coverage B, is the part of your home insurance policy that protects structures on your property other than your house. That includes: Fences. Sheds. Detached garages.

What is other structures coverage on a home insurance policy?

This section of your policy, known as other structures coverage , or Coverage B , is included in every standard home insurance policy and covers everything from your detached garage to the protective fence around your property. Like other types of coverage in your policy, other structures coverage has its limitations.

Do you need to have other structures coverage?

While having other structures coverage may be helpful, it may not be sufficient enough to protect the items you store inside your other structures. If you have a work shed, detached garage, or detached guest house, you should also consider Coverage C as part of your homeowner’s insurance policy.

What are the perils of other structures insurance?

Your other structures coverage protects you against many of the same perils as your insurance policy’s dwelling coverage, insuring you against fires, windstorms, lightning, and human-induced perils like theft and vandalism. Perils generally not covered by your other structures coverage include, but aren’t limited to:

Can you add another structure to your insurance policy?

Policies are built this way to include those items. It ensures adequate protection for the majority and not the exceptions. Also, very often, the coverage of the additional structure may not sufficiently insure the property. Some homeowners may wish to increase the 10% and add coverage to the policy to provide adequate coverage.