Other structures coverage is a part of a homeowners insurance policy that protects buildings on the property that are not physically attached to the main home. While these structures are separate from the dwelling, they still represent real financial value and are exposed to many of the same risks as the house itself.
Many homeowners assume detached buildings are automatically covered the same way as the main home, but other structures coverage works differently. Coverage limits are usually lower, exclusions can apply differently, and claim handling often surprises homeowners after damage occurs.
This section explains other structures coverage in plain English, including what types of structures are typically covered, how coverage limits are calculated, what events trigger coverage, and where gaps commonly exist. These guides are designed to help homeowners understand how protection applies to detached structures before a loss happens.
Articles in This Section
• What Is Other Structures Coverage in Homeowners Insurance
• What Types of Structures Are Covered Under Other Structures Coverage
• What Other Structures Coverage Does Not Cover
• How Other Structures Coverage Limits Are Determined
• Detached Garages and Other Structures Coverage Explained
• Sheds, Fences, and Outbuildings Insurance Coverage
• Replacement Cost vs Actual Cash Value for Other Structures
• How Deductibles Apply to Other Structures Coverage Claims
• What Triggers an Other Structures Coverage Claim
• Common Other Structures Coverage Exclusions
• How Other Structures Coverage Applies After Partial Damage
• How Other Structures Coverage Works After Total Loss
• How Building Materials Affect Other Structures Coverage
• How Property Size Impacts Other Structures Coverage
• How Location Affects Other Structures Coverage
• When Other Structures Coverage Is Not Enough
• Common Other Structures Coverage Gaps Homeowners Miss
• How to Review and Adjust Other Structures Coverage
• How Other Structures Coverage Interacts With Dwelling Coverage
• When to Update Other Structures Coverage Limits
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