Other structures coverage applies to a wide range of detached buildings and property features, but not every structure on a property qualifies. Knowing which structures are typically covered helps homeowners understand where coverage applies and where gaps may exist.
Detached garages are one of the most common structures covered under Coverage B. If a garage is not physically connected to the home, it is insured as an other structure rather than part of the dwelling. Damage caused by covered perils is typically eligible for coverage.
Storage sheds, tool sheds, and garden sheds are also commonly covered. These structures often house equipment, tools, or seasonal items and can represent a significant investment. Coverage applies to the structure itself, not the contents inside, which fall under personal property coverage.
Fences are usually covered under other structures coverage, though limits may apply. Damage to fences caused by covered events such as wind or vandalism may be eligible for repair or replacement, subject to policy terms.
Detached decks, gazebos, pergolas, and patios may qualify if they are not physically attached to the home. Coverage depends on how the structure is built and whether it is considered permanent.
Standalone workshops or studios are typically covered if they are used for personal purposes. However, structures used primarily for business activities may have limited or excluded coverage unless additional insurance is purchased.
Guest houses or detached living quarters may be covered, but special rules often apply. If the structure is rented out or used regularly by others, coverage terms may differ.
What is not covered is just as important. Land, driveways, and certain landscaping elements are generally excluded or limited. Portable or temporary structures may also fall outside coverage.
Understanding which structures qualify under other structures coverage helps homeowners properly evaluate their policy and determine whether limits or endorsements need adjustment.
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