Homeowners insurance: Understanding other structures coverage

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.