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Khalid & Donna Mahmud ,CA DRE #01812087,CA DRE # 01812367, eXp Realty Of California Inc.Phone: (408) 464-6442
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Understanding other structures coverage

by Khalid & Donna Mahmud ,CA DRE #01812087,CA DRE # 01812367 10/25/2023

Photo of a backyard with playset

Other structures coverage is a portion of your homeowners insurance policy. As the name suggests, it protects other structures on your property, either attached or detached.

For a greater understanding of how structures coverage works, here are the basics:

What does “other structures insurance” cover?

Structures like fences, gazebos, detached garages and in-ground pools all count as "other structures."

These structures are generally covered for the same perils as the rest of your home. These covered perils include fire, falling objects, theft or vandalism, snow and ice damage.

However, some policies include other structures coverage under an "open perils" policy. This provides coverage for any event which is not specifically excluded.

How much other structures coverage do you need?

A standard homeowners policy usually includes other structures coverage as a percentage of your main dwelling coverage. The average percentage is 10%, but you can increase your coverage if necessary.

For example, if you've added a high-value structure to your home, you might consider changing your policy to include more protection.

It's best to talk to a homeowners insurance agent for all the details about other structures coverage and the associated limits. They'll help you decide how much coverage you need to keep your assets protected.

About the Author
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Khalid & Donna Mahmud ,CA DRE #01812087,CA DRE # 01812367

As a licensed real estate specialists you can rely on Khalid & Donna to help you reach your personal and financial goals whether you are - buying your first home, an investor, moving up, sizing down, refinancing or purchasing an investment property. Also great resource for homeowners who have a hardship & distressed property scenario and unable to keep up with the payments. Areas covered: Entire main Bay Area & all surrounding counties with extensive client portfolio of bought & sold properties. Have an extensive diverse background in the fields of Real Estate, and Program Management. I believe in helping and educating clients make informed decision in their real estate transaction that will meet their criteria and goals. .