Best answer: What is included in other structures on homeowners insurance?

What is covered by other structures coverage?

Other structures coverage is the part of a homeowners insurance policy that helps pay to repair or replace structures other than your home, such as a fence, if they are damaged by a covered risk. For instance, if a tree falls on your detached garage, other structures coverage may help pay for repairs.

What does other structures include?

Other Structures — homeowners policy coverage part covering structures on the residence premises separated from the dwelling by a clear space or connected to the dwelling by a fence, utility line, or related connection. Examples include a detached garage, tool shed, driveway, swimming pool, gazebo, or fence.

What does coverage b other structures coverage?

Other structures coverage, also known as Coverage B, makes sure many structures on your property that aren’t attached to your home are protected against covered perils.

What is excluded under Coverage B other structures?

Other structures coverage excludes the same perils as your dwelling insurance. So, for example, it won’t cover wear and tear, earth movements, infestations, or flood damage. For flood protection, you need flood insurance.

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Is a carport considered other structures?

Structures such as a detached garage or carport, fence, shed or gazebo, among many others, are considered other structures.

Is a deck considered other structures?

A standard homeowners insurance policy typically defines “other structures” as: … That means connected garages or decks are covered by your policy’s dwelling coverage, while anything with distinguishable space between it and your house is covered by other structures coverage.

Is a dock considered other structures?

Other Structures insurance provides protection for, “other structures on the residence premises set apart from the dwelling by clear space.” Some examples of common other structures are the following: Docks. Pools (unless covered under your Building coverage) Fences or gates.

Can I remove other structures coverage?

Removing “Other Structure” Coverage

Unfortunately, even if you have none of these items, your provider will not allow you to delete it. They are not charging any additional premium for the protection of these items. … Most homeowners have some additional structures, even if they don’t realize that they do.

What is other personal property coverage?

Whether you own a home or rent an apartment, insurance policies typically include personal property coverage. This type of coverage helps pay to repair or replace your belongings after a covered loss, such as theft or fire.

What 3 areas are covered in a typical homeowners policy?

Homeowners insurance policies generally cover destruction and damage to a residence’s interior and exterior, the loss or theft of possessions, and personal liability for harm to others. Three basic levels of coverage exist: actual cash value, replacement cost, and extended replacement cost/value.

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Does my homeowners insurance cover damage to other people’s property?

While home insurance covers your property, and contents insurance makes sure your possessions are all taken care of, public liability covers people at your home. … It can also cover damage to other people’s property due to an incident that occurs at your home.

What is considered a detached structure?

A detached structure is any additional building or structure on your property that’s not attached to your home. This includes detached garages, sheds, greenhouses, barns, shops, and gazebos.

Is a fence considered a structure for insurance?

Fences fall under the “other structures” coverage section of a standard homeowners insurance policy.

What is not covered by homeowners insurance?

Standard homeowners insurance policies typically do not include coverage for valuable jewelry, artwork, other collectibles, identity theft protection, or damage caused by an earthquake or a flood. … Flooding is another hazard that is typically not covered by standard homeowners insurance policies.

Is my garage covered under homeowners insurance?

If your home has a garage, then this is generally covered under your home insurance coverage, however, you need to double inspect this prior to accepting any premiums you pay to cover your home.