What is Other Structures Coverage? Home Insurance Coverage B | Clovered

Other structures coverage, also known as Coverage B, is a portion of your homeowners policy that pays to repair or replace detached structures, which are located on your property and not connected to your home, if they are damaged or destroyed by a covered peril.

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Yup, Coverage B has your back.

Other structures coverage, also known as Coverage B, helps pay to repair or replace structures that are detached from your home, but still located on your property, if they are damaged or destroyed by a covered peril.

Structures such as a detached garage or carport, fence, in-ground or above-ground swimming pool, shed, gazebo, treehouse, man-sized treehouse you use for watching football games because it takes you back to childhood, and other structures like that are typically covered.

Other structures coverage is usually up to 10% of the dwelling portion on your homeowners insurance policy. Although, you can opt for less.

Since condo owners and renters don’t own the property in which they live on, other structures coverage is only found within a homeowners insurance policy.