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Definition
Other Structures Coverage (Coverage B) is the part of a homeowners policy that pays to repair or rebuild structures on your property that are not attached to your house, such as a detached garage, shed, or fence. This coverage is usually set as a percentage of your dwelling limit, and it is typically 10% of your dwelling coverage (Coverage A). So if your home is insured for a given dwelling amount, your detached structures would generally be covered up to roughly one-tenth of that figure. The same perils and deductible that apply to your main home usually apply here. If you have higher-value detached structures, you can often raise this limit for an added premium. Coverage details, included perils, and any exclusions vary by state and by insurer, so check your specific declarations page.
Also Known As
Coverage B
Detached Structures Coverage
Appurtenant Structures Coverage
Separate Structures Coverage
Used in Context
- When a storm knocked down her backyard fence, the homeowner filed a claim under Coverage B rather than her dwelling coverage.
- A Dreamy Leads insurance quote walkthrough explained that Other Structures Coverage typically equals 10% of the dwelling limit.
- Before building a detached workshop, he asked his agent to confirm whether his Coverage B limit was high enough.
What does Other Structures Coverage actually cover?
It covers detached structures on your property, such as a garage, shed, or fence, that are not connected to your main home. It pays to repair or rebuild them after a covered loss, generally subject to the same perils and deductible that apply to your dwelling coverage.
How much Coverage B do I get?
Other Structures Coverage is typically set at 10% of your dwelling coverage (Coverage A). If your detached structures are worth more than that limit allows, you can often increase the amount for an additional premium. Exact limits vary by state and insurer.
Is my fence covered under Coverage B?
Yes, a fence is generally considered a detached structure and falls under Coverage B rather than your dwelling coverage. Whether a specific loss is paid depends on the perils in your policy and your deductible, which vary by state and insurer, so review your declarations page.
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