What is other structures coverage?

Other structures insurance, also known as detached structures insurance, covers any structures that are located on your home’s premises (but that are not necessarily attached to your home) in the event of a covered loss.

What does other structures insurance cover?

Other structures insurance covers things such as the following:

  • Garages
  • Sheds
  • Barns
  • Fences
  • Driveways
  • Retaining walls
  • Swimming pools
  • Gazebos
  • Additional structures that are not part of the house

Always remember to review your other structures coverage limits after you’ve made improvements to your home in the form of “other structures” (such as adding a fence or building a small shed).

How much other structures coverage do I need?

Homeowners insurance policies provide limited coverage for these “other structures,” typically up to 10 percent of the other structures coverage amount. If you'd like to purchase additional coverage for detached structures on your property (beyond the 10 percent), let us know. Additional coverage may be available in some states.