What is Other Structures Coverage?

We typically think of home insurance as coverage that protects our housing in case of a loss, but you may not realize that most policies also include coverage for other structures on the property aside from our primary dwelling. Just about any structure that isn’t directly attached to your home falls under this category, so it’s important to check what’s covered under your current policy and be sure that you’re covered for everything you need in case of a loss.

Types of Structures Covered

You may be surprised to learn just how many things qualify for other structures coverage, such as:

  • Detached garages
  • Fences
  • Barns
  • Guesthouses
  • Mailboxes,
  • In-ground Swimming Pools
  • Gazebos

What and how much is covered may vary by policy, but a typical policy for other structures will cover up to 10% of your dwelling’s coverage limits. For example, if your home is insured for $500,000, other structures might be insured for up to $50,000. This amount will usually cover damage or loss caused natural perils like lightning, wind, or hail, as well as accidents such as fire, burst pipes, or falling objects (such as trees).

What is Typically Not Covered?

Any structures that are used for business purposes are typically not covered under your other structures coverage. Some examples of this may include structures used for rental income, or if you have a home-based business. It’s best to get a separate business insurance policy in these cases.

There are also some perils that aren’t usually covered, including flooding, earthquakes, and pests. If you live in an area that’s prone to flooding or earthquakes, it’s wise to consult your insurer about a separate policy designed for these specific perils. If pests are a problem where you live, getting on a regular pest treatment schedule can help prevent damage to your property.

General wear and tear aren’t covered by insurance, nor is neglect. Routine maintenance is your responsibility as a homeowner, and thus it is expected that you will cover these costs out of pocket.

Get Accurate Estimates with The Douglas Cost Guide

Trusted by Canadian industry professionals everywhere, Douglas Residential Cost Guide is your comprehensive handbook for everything you need to know to estimate a dwelling, agricultural structure, or other structure’s value and its replacement costs. Our guide is continuously updated with the latest, most accurate information available to ensure that you know exactly how much coverage you need. Our guide demystifies the process of insurance appraisal and is used by brokers and agents across the country. Subscribe today to get started on your home insurance estimate or contact us for a free consultation with our friendly team!