What does other structures mean on insurance policy?

Other structures coverage is the part of a homeowners insurance policy that helps pay to repair or replace structures other than your home, such as a fence, if they are damaged by a covered risk. For instance, if a tree falls on your detached garage, other structures coverage may help pay for repairs.

Can I remove other structures coverage?

Removing “Other Structure” Coverage Even if you have none of these items, your provider will not allow you to delete it. They are not charging an additional premium for the protection of these items. Most homeowners have some additional structures, even if they don’t realize they do.

Is a patio considered an other structure?

Other structures coverage is the part of your home insurance policy that covers the things that are on your property but not attached to your house itself. Guest houses. Detached patios or dining areas. Gazebos.

How much other structures coverage do I need?

How Much Other Structure Coverage Do I Need? Other structures coverage typically comes standard at 10% of the dwelling portion of your homeowners insurance policy. You may be able to decrease that percentage, but you likely won’t be able to increase it.

What does other structures mean?

Other Structures — homeowners policy coverage part covering structures on the residence premises separated from the dwelling by a clear space or connected to the dwelling by a fence, utility line, or related connection. Examples include a detached garage, tool shed, driveway, swimming pool, gazebo, or fence.

What is excluded under Coverage B other structures?

Since Coverage B can protect fences, sheds, unattached garages and more items on your property that are excluded in your dwelling coverage, it’s important to evaluate the cost to repair, replace and even rebuild all those structures if they were completely destroyed.

What are considered other structures?

What does coverage b other structures coverage?

Coverage B, also known as other structures insurance coverage, is the part of your homeowners policy that protects structures on your property not physically connected to your home, such as a detached garage, storage shed, or gazebo.

What does other structures include?

What is an other structure?

Which of the following is an example of an other structure as defined in Coverage B?

Examples of other structures under Coverage B: Detached Garage/Carport. Fence. Gazebo.

What does other structures mean in homeowners insurance?

Other Structures. Definition. Homeowners policy coverage part covering structures on the residence premises separated from the dwelling by a clear space or connected to the dwelling by a fence, utility line, or related connection. Examples include a detached garage, tool shed, driveway, swimming pool, gazebo, or fence.

Is Erie’s home insurance better than competition?

We believe the proof is in the policy. Our home insurance base policy includes many features that are better than a typical competition policy. 1 Talk to an agent about ERIE’s home insurance coverage. 1 The information is a summary and does not include all coverages and benefits available through an ErieSecure Home® policy or apply to all states.

What is other structures coverage B?

Other structures coverage is a part of every homeowners policy and covers property that is detached, like fences and sheds. Coverage B will only apply to detached structures used for leisure or personal use — which is typical of any type of personal insurance policy.

Why use an Erie agent?

Your ERIE agent can help you with your coverage and identify high-value items that need extra protection on your policy. Helps protect your home’s exterior from the weather, fire and other sources of damage. DID YOU KNOW? If your home was destroyed, you’d want enough insurance to rebuild—at current construction costs.