Other structures coverage: Homeowners insurance basics

by Ann Hayward 06/12/2023

Photo of a backyard with playset

Other structures coverage is a portion of your homeowners insurance policy. As the name suggests, it protects other structures on your property, either attached or detached.

For a greater understanding of how structures coverage works, here are the basics:

What does “other structures insurance” cover?

Structures like fences, gazebos, detached garages and in-ground pools all count as "other structures."

These structures are generally covered for the same perils as the rest of your home. These covered perils include fire, falling objects, theft or vandalism, snow and ice damage.

However, some policies include other structures coverage under an "open perils" policy. This provides coverage for any event which is not specifically excluded.

How much other structures coverage do you need?

A standard homeowners policy usually includes other structures coverage as a percentage of your main dwelling coverage. The average percentage is 10%, but you can increase your coverage if necessary.

For example, if you've added a high-value structure to your home, you might consider changing your policy to include more protection.

It's best to talk to a homeowners insurance agent for all the details about other structures coverage and the associated limits. They'll help you decide how much coverage you need to keep your assets protected.

About the Author
Author

Ann Hayward

Born in Philadelphia and raised in the suburbs, Ann Hayward got her Pennsylvania real estate license at age 18 even before going to college. This second-generation real estate professional followed in the footsteps of her father and two uncles, inheriting their passion for the business. Licensed in DC, Maryland and Virginia, Ann is accomplished in her career, with numerous designations including SFR, SRES, PSA, WHC, and multiunit Housing Development Finance Professional (HDFP) from the National Development Council. She specializes in Prince Georges and Montgomery Counties, Northern Virginia and Washington, DC, all jurisdictions where Ann has lived and knows very well. In addition to her professional expertise, she owns and manages personal investment property, understands and has been involved in the renovation/remodeling process, and has great resources which she shares with clients. When you hire Ann to represent you, she will make your buying or selling experience an enjoyable, rewarding one. Her compassion, sensitivity to her clients’ needs, eye for detail, and ability to see the big picture when guiding you through a purchase or sale are unique assets that will ensure your success. A diverse and relevant background also gives Ann a distinct edge. For 30 years, she worked in fast-paced, high-pressure television and theatrical production, attaining the highest achievement – DGA membership as a Director, and as an award-winning staff and freelance writer. Her keen audio visual skills and design sense benefit sellers in marketing their properties, and are invaluable in helping buyers see the potential of space. A true renaissance woman, Ann was also an income tax professional and office manager for H&R Block, so she thoroughly understands the tax and financial implications of acquiring and selling real estate. Her superior organizational skills are further evidenced as owner of a downsizing/professional organizing business, Managed For You, which allows her to connect with everyone from millennials to boomers and seniors, whether for small space planning or assisting with major decluttering and transitioning. Ann holds an AB in American History from Simmons College, Boston, plus attended Robert Wagner Graduate School of Public Administration where she was a candidate for Doctorate. She additionally studied Film Direction at the American Film Institute in LA, and was a Stanford University post-graduate Professional Journalism Fellow. Personally, Ann is an avid if not very good golfer, and the co-founder of a nonprofit 501c3 organization offering educational guidance, tutoring and counseling for youngsters from elementary school through college admission. She sits on the board of trustees of a nonprofit educational film production corporation as well. (202) 494-6252 [email protected]