{"id":23376,"date":"2022-09-09T13:06:11","date_gmt":"2022-09-09T17:06:11","guid":{"rendered":"https:\/\/www.plymouthrock.com\/?p=23376"},"modified":"2025-02-05T10:27:42","modified_gmt":"2025-02-05T15:27:42","slug":"other-structures-coverage","status":"publish","type":"resources","link":"https:\/\/www.plymouthrock.com\/resources\/other-structures-coverage","title":{"rendered":"Other structures coverage &#8211; homeowners insurance"},"content":{"rendered":"\n<p>For many homeowners, their home is only one of the structures on their property. They may also own a detached garage, fence, guest house or barn. This is why standard <a href=\"\/insurance\/home\">homeowners insurance<\/a> policies usually contain something called <a href=\"\/insurance\/home\/coverage-policy-options\">Other Structures coverage<\/a>.<\/p>\n\n\n\n<p>All of these structures are prone to the same hazards as the main dwelling. For example, if a tree falls on a tool shed during a windstorm, it can cause serious damage. This is where Other Structures coverage can help.<\/p>\n\n\n\n<div class=\"home-resources-orange-border\" style=\"width:100%;\"><strong>Table of Contents<\/strong> <ul style=\"list-style-type: padding-left:10px;\"><li style=\"color:#000; padding-left: 10px;\"><span style=\"color:#000; display:block;\"><a href=\"#homeowners\">What Is Other Structures Homeowners Coverage?<\/a><\/span><\/li><li style=\"color:#000; padding-left: 10px;\"><span style=\"color:#000; display:block;\"><a href=\"#covered\">Which Structures Are Covered?<\/a><\/span><\/li><li style=\"color:#000; padding-left: 10px;\"><span style=\"color:#000; display:block;\"><a href=\"#need\">How Much Coverage Do You Need?<\/a><\/span><\/li><\/ul><\/div>\n\n\n\n<a id=\"homeowners\"><\/a><h2 style=\"margin-bottom:0px;\">What is other structures homeowners coverage?<\/h2>\n\n\n\n<p>Other Structures coverage, also known as Coverage B, protects those structures on a homeowner\u2019s property that are detached from the main dwelling. It offers protection from the same types of events that their home is covered for, including vandalism, fire and falling objects.<\/p>\n\n\n\n<p>If a fence, shed or garage gets damaged, Other Structures coverage can help pay for repairs or a replacement. These structures can be very expensive to fix, so homeowners will be happy to have this coverage if they ever need it.<\/p>\n\n\n\n<h3 style=\"margin-bottom:0px; font-size:18px; color:#000;\"><strong>Is it part of my policy?<\/strong><\/h3>\n\n\n\n<p>Other Structures coverage is usually included as part of a standard homeowners insurance policy. As a result<strong>, if a homeowner has home insurance, chances are they already have Other Structures coverage. &nbsp;<\/strong><\/p>\n\n\n\n<a id=\"covered\"><\/a><h2 style=\"margin-bottom:0px;\">Which structures are covered? <\/h2>\n\n\n\n<p>For a structure to be protected under Other Structures coverage, it must be separated from the main dwelling by a clear space. Structures connected to the dwelling by only a fence, utility line, or similar connection may also be considered &#8220;other structures.&#8221;<\/p>\n\n\n\n<p>The types of structures that are covered vary by state, so be sure to check your home insurance policy. Here are some examples of structures that may be covered:<\/p>\n\n\n\n<div class=\"home-resources-orange-border3\"><strong>Examples of Other Structures<\/strong><ul style=\"list-style-type: '\\2713'; padding-left:10px;\"><li style=\"color:#FF7826;\"><span style=\"color:#000; margin-left:10px; display:block;\">Detached garage<\/span><\/li><li style=\"color:#FF7826;\"><span style=\"color:#000; margin-left:10px; display:block;\">Fence<\/span><\/li><li style=\"color:#FF7826;\"><span style=\"color:#000; margin-left:10px; display:block;\">Shed<\/span><\/li><li style=\"color:#FF7826;\"><span style=\"color:#000; margin-left:10px; display:block;\">Guest house<\/span><\/li><li style=\"color:#FF7826;\"><span style=\"color:#000; margin-left:10px; display:block;\">Carport<\/span><\/li><li style=\"color:#FF7826;\"><span style=\"color:#000; margin-left:10px; display:block;\">Pool house<\/span><\/li><li style=\"color:#FF7826;\"><span style=\"color:#000; margin-left:10px; display:block;\">Barn<\/span><\/li><li style=\"color:#FF7826;\"><span style=\"color:#000; margin-left:10px; display:block;\">Gazebo<\/span><\/li><\/ul><\/div>\n\n\n\n<p style=\"margin-top:20px;\">Swimming pools may or may not be protected by Other Structures coverage. It all depends on your insurer and what caused the damage.<\/p>\n\n\n\n<h3 style=\"margin-bottom:0px; font-size:18px; color:#000;\"><strong>Are the items inside covered?<\/strong><\/h3>\n\n\n\n<p>It\u2019s important to understand that Other Structures coverage only covers the structure itself. It does not protect the things that are stored inside. The <a href=\"\/insurance\/home\/coverage-policy-options\">Personal Property coverage<\/a> portion of a homeowners insurance policy takes care of that. It protects items whether they\u2019re in the home or not.<\/p>\n\n\n\n<h3 style=\"margin-bottom:0px; font-size:18px; color:#000;\"><strong>Which structures are not covered?<\/strong><\/h3>\n\n\n\n<p>Typically, Other Structures coverage does not apply to structures that are used for business purposes. For example, a homeowner will not be covered if they run a business out of their detached garage, or if they use their guest house for rental income. In situations like these, the homeowner most likely needs a separate business insurance policy to be fully covered.<\/p>\n\n\n\n<p>Other Structures coverage also does not cover the land that the structure is on.<\/p>\n\n\n\n<a id=\"need\"><\/a><h2 style=\"margin-bottom:0px;\">How much coverage do you need? <\/h2>\n\n\n\n<p>Other Structures coverage is usually included as part of a <a href=\"\/resources\/how-much-homeowners-insurance-do-i-need\">standard homeowners insurance policy<\/a>. Typically, the coverage limit for all other structures on the property combined is 10% of the Dwelling limit, which is also known as Coverage A. For example, if your Dwelling coverage is $300,000, then your Other Structures coverage is $30,000.<\/p>\n\n\n\n<p>This limit will be clearly stated in your home insurance policy, so it\u2019s a good idea for you to look through your policy.<\/p>\n\n\n\t\t<div data-elementor-type=\"section\" data-elementor-id=\"44835\" class=\"elementor elementor-44835\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-0b51eab elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"0b51eab\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-e4a7476\" data-id=\"e4a7476\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-c3e1d36 elementor-widget elementor-widget-accordion\" data-id=\"c3e1d36\" data-element_type=\"widget\" data-widget_type=\"accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-accordion\">\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-2051\" class=\"elementor-tab-title\" data-tab=\"1\" role=\"button\" aria-controls=\"elementor-tab-content-2051\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-chevron-down\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-chevron-up\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Can I buy additional Other Structures coverage?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-2051\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"1\" role=\"region\" aria-labelledby=\"elementor-tab-title-2051\"><p>In certain cases, homeowners may want to purchase more Other Structures coverage. Let\u2019s say you build a new detached garage on your property. This will increase the combined value of all the other structures on your property.<\/p><p>As a result, you may want to choose from one of these options:<\/p><ul style=\"margin-bottom: 15px;\"><li>Increase your Other Structures policy limit to an amount that\u2019s more than 10% of your Coverage A amount, or<\/li><li>Raise the overall coverage for your main dwelling. For example, if you have the usual 10% Other Structures limit and you increased your Dwelling coverage from $300,000 to $400,000, then your Other Structures coverage would automatically increase from $30,000 to $40,000.<\/li><\/ul><p>Ask your insurer what the right amount of protection is for you.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t\n","protected":false},"excerpt":{"rendered":"<p>Other Structures coverage protects structures on a homeowner\u2019s property that are detached from the main dwelling. Includes garages, sheds and fences.<\/p>\n","protected":false},"author":6,"featured_media":23377,"menu_order":0,"template":"","format":"standard","meta":{"_acf_changed":false,"_oasis_is_in_workflow":0,"_oasis_original":0,"_oasis_task_priority":"","inline_featured_image":false,"_sitemap_exclude":false,"_sitemap_priority":"","_sitemap_frequency":""},"products":[72],"state":[],"class_list":["post-23376","resources","type-resources","status-publish","format-standard","has-post-thumbnail","hentry","products-home"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v25.8 (Yoast SEO v25.8) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Other Structures Coverage | Homeowners Insurance Coverage B<\/title>\n<meta name=\"description\" content=\"Other Structures coverage protects structures that are detached from the main dwelling. Does your home insurance policy cover you?\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.plymouthrock.com\/resources\/other-structures-coverage\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Other structures coverage - homeowners insurance\" \/>\n<meta property=\"og:description\" content=\"Other Structures coverage protects structures that are detached from the main dwelling. Does your home insurance policy cover you?\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.plymouthrock.com\/resources\/other-structures-coverage\" \/>\n<meta property=\"og:site_name\" content=\"Plymouth Rock Assurance | Car Insurance and Home Insurance\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/PlymouthRockAssurance\/\" \/>\n<meta property=\"article:modified_time\" content=\"2025-02-05T15:27:42+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.plymouthrock.com\/wp-content\/uploads\/2022\/09\/Other_Structures_Garage_640x350.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"640\" \/>\n\t<meta property=\"og:image:height\" content=\"350\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:site\" content=\"@plymouthrock\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"3 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.plymouthrock.com\/resources\/other-structures-coverage\",\"url\":\"https:\/\/www.plymouthrock.com\/resources\/other-structures-coverage\",\"name\":\"Other Structures Coverage | Homeowners Insurance Coverage B\",\"isPartOf\":{\"@id\":\"https:\/\/www.plymouthrock.com\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.plymouthrock.com\/resources\/other-structures-coverage#primaryimage\"},\"image\":{\"@id\":\"https:\/\/www.plymouthrock.com\/resources\/other-structures-coverage#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.plymouthrock.com\/wp-content\/uploads\/2022\/09\/Other_Structures_Garage_640x350.jpg\",\"datePublished\":\"2022-09-09T17:06:11+00:00\",\"dateModified\":\"2025-02-05T15:27:42+00:00\",\"description\":\"Other Structures coverage protects structures that are detached from the main dwelling. Does your home insurance policy cover you?\",\"breadcrumb\":{\"@id\":\"https:\/\/www.plymouthrock.com\/resources\/other-structures-coverage#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.plymouthrock.com\/resources\/other-structures-coverage\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www.plymouthrock.com\/resources\/other-structures-coverage#primaryimage\",\"url\":\"https:\/\/www.plymouthrock.com\/wp-content\/uploads\/2022\/09\/Other_Structures_Garage_640x350.jpg\",\"contentUrl\":\"https:\/\/www.plymouthrock.com\/wp-content\/uploads\/2022\/09\/Other_Structures_Garage_640x350.jpg\",\"width\":640,\"height\":350,\"caption\":\"Shed covered by Other Structures coverage\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.plymouthrock.com\/resources\/other-structures-coverage#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/www.plymouthrock.com\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Resources\",\"item\":\"https:\/\/www.plymouthrock.com\/resources\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"Other structures coverage &#8211; homeowners insurance\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.plymouthrock.com\/#website\",\"url\":\"https:\/\/www.plymouthrock.com\/\",\"name\":\"Plymouth Rock Assurance | Car Insurance and Home Insurance\",\"description\":\"More than just Insurance\",\"publisher\":{\"@id\":\"https:\/\/www.plymouthrock.com\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.plymouthrock.com\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/www.plymouthrock.com\/#organization\",\"name\":\"Plymouth Rock Assurance Corporation\",\"url\":\"https:\/\/www.plymouthrock.com\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www.plymouthrock.com\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/www.plymouthrock.com\/wp-content\/uploads\/2021\/03\/PRAC-Tagline_new_branding.svg\",\"contentUrl\":\"https:\/\/www.plymouthrock.com\/wp-content\/uploads\/2021\/03\/PRAC-Tagline_new_branding.svg\",\"width\":\"1024\",\"height\":\"1024\",\"caption\":\"Plymouth Rock Assurance Corporation\"},\"image\":{\"@id\":\"https:\/\/www.plymouthrock.com\/#\/schema\/logo\/image\/\"},\"sameAs\":[\"https:\/\/www.facebook.com\/PlymouthRockAssurance\/\",\"https:\/\/x.com\/plymouthrock\",\"https:\/\/www.instagram.com\/plymouthrockassurance\"]}]}<\/script>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"Other Structures Coverage | Homeowners Insurance Coverage B","description":"Other Structures coverage protects structures that are detached from the main dwelling. Does your home insurance policy cover you?","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.plymouthrock.com\/resources\/other-structures-coverage","og_locale":"en_US","og_type":"article","og_title":"Other structures coverage - homeowners insurance","og_description":"Other Structures coverage protects structures that are detached from the main dwelling. Does your home insurance policy cover you?","og_url":"https:\/\/www.plymouthrock.com\/resources\/other-structures-coverage","og_site_name":"Plymouth Rock Assurance | Car Insurance and Home Insurance","article_publisher":"https:\/\/www.facebook.com\/PlymouthRockAssurance\/","article_modified_time":"2025-02-05T15:27:42+00:00","og_image":[{"width":640,"height":350,"url":"https:\/\/www.plymouthrock.com\/wp-content\/uploads\/2022\/09\/Other_Structures_Garage_640x350.jpg","type":"image\/jpeg"}],"twitter_card":"summary_large_image","twitter_site":"@plymouthrock","twitter_misc":{"Est. reading time":"3 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/www.plymouthrock.com\/resources\/other-structures-coverage","url":"https:\/\/www.plymouthrock.com\/resources\/other-structures-coverage","name":"Other Structures Coverage | Homeowners Insurance Coverage B","isPartOf":{"@id":"https:\/\/www.plymouthrock.com\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.plymouthrock.com\/resources\/other-structures-coverage#primaryimage"},"image":{"@id":"https:\/\/www.plymouthrock.com\/resources\/other-structures-coverage#primaryimage"},"thumbnailUrl":"https:\/\/www.plymouthrock.com\/wp-content\/uploads\/2022\/09\/Other_Structures_Garage_640x350.jpg","datePublished":"2022-09-09T17:06:11+00:00","dateModified":"2025-02-05T15:27:42+00:00","description":"Other Structures coverage protects structures that are detached from the main dwelling. Does your home insurance policy cover you?","breadcrumb":{"@id":"https:\/\/www.plymouthrock.com\/resources\/other-structures-coverage#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.plymouthrock.com\/resources\/other-structures-coverage"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.plymouthrock.com\/resources\/other-structures-coverage#primaryimage","url":"https:\/\/www.plymouthrock.com\/wp-content\/uploads\/2022\/09\/Other_Structures_Garage_640x350.jpg","contentUrl":"https:\/\/www.plymouthrock.com\/wp-content\/uploads\/2022\/09\/Other_Structures_Garage_640x350.jpg","width":640,"height":350,"caption":"Shed covered by Other Structures coverage"},{"@type":"BreadcrumbList","@id":"https:\/\/www.plymouthrock.com\/resources\/other-structures-coverage#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.plymouthrock.com\/"},{"@type":"ListItem","position":2,"name":"Resources","item":"https:\/\/www.plymouthrock.com\/resources"},{"@type":"ListItem","position":3,"name":"Other structures coverage &#8211; homeowners insurance"}]},{"@type":"WebSite","@id":"https:\/\/www.plymouthrock.com\/#website","url":"https:\/\/www.plymouthrock.com\/","name":"Plymouth Rock Assurance | Car Insurance and Home Insurance","description":"More than just Insurance","publisher":{"@id":"https:\/\/www.plymouthrock.com\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.plymouthrock.com\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/www.plymouthrock.com\/#organization","name":"Plymouth Rock Assurance Corporation","url":"https:\/\/www.plymouthrock.com\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.plymouthrock.com\/#\/schema\/logo\/image\/","url":"https:\/\/www.plymouthrock.com\/wp-content\/uploads\/2021\/03\/PRAC-Tagline_new_branding.svg","contentUrl":"https:\/\/www.plymouthrock.com\/wp-content\/uploads\/2021\/03\/PRAC-Tagline_new_branding.svg","width":"1024","height":"1024","caption":"Plymouth Rock Assurance Corporation"},"image":{"@id":"https:\/\/www.plymouthrock.com\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/PlymouthRockAssurance\/","https:\/\/x.com\/plymouthrock","https:\/\/www.instagram.com\/plymouthrockassurance"]}]}},"_links":{"self":[{"href":"https:\/\/www.plymouthrock.com\/wp-json\/wp\/v2\/resources\/23376","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.plymouthrock.com\/wp-json\/wp\/v2\/resources"}],"about":[{"href":"https:\/\/www.plymouthrock.com\/wp-json\/wp\/v2\/types\/resources"}],"author":[{"embeddable":true,"href":"https:\/\/www.plymouthrock.com\/wp-json\/wp\/v2\/users\/6"}],"version-history":[{"count":0,"href":"https:\/\/www.plymouthrock.com\/wp-json\/wp\/v2\/resources\/23376\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.plymouthrock.com\/wp-json\/wp\/v2\/media\/23377"}],"wp:attachment":[{"href":"https:\/\/www.plymouthrock.com\/wp-json\/wp\/v2\/media?parent=23376"}],"wp:term":[{"taxonomy":"products","embeddable":true,"href":"https:\/\/www.plymouthrock.com\/wp-json\/wp\/v2\/products?post=23376"},{"taxonomy":"state","embeddable":true,"href":"https:\/\/www.plymouthrock.com\/wp-json\/wp\/v2\/state?post=23376"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}