Other Structures Coverage

Found in "Coverage B" in your homeowner’s policy, Other Structures Coverage applies to structures that are not physically a part of your home but are still part of the total property. This includes fencing, detached garages, swimming pools, sheds, and more. A standard policy will set the limit of Coverage B to 10% of Coverage A (Dwelling Coverage) at minimum, but higher limits can be obtained. Coverage B will cover the same perils as Coverage A on a homeowner’s policy with the same endorsements and exclusions where applicable.