Home Insurance Other Structures Coverage

After the trend changed because of some economic factors, and houses started being built with detached or additional structures, the insurance companies had to adjust their policies to include other structures coverage. Although a lot of homeowners usually wish to take out this part from their insurance plans, it is important to understand what it covers or entails.

What Is Covered

This part of the homeowner's insurance coverage refers to the other parts of your home and not the building itself. It covers payments for damages incurred on other structures apart from your house itself. For instance, a detached garage, a gazebo, tool shed, an in-ground swimming pool, driveway, and a fence if damaged, are replaced or repaired by the coverage plan based on this insurance policy.
Usually, the coverage policy on all these other structures depends on a percentage of the residential dwelling coverage. When choosing a homeowner's insurance plan, check to make sure that the limitations and conditions are aligned with whatever improvements or conditions you choose to make for your home.

Important Things to Keep in Mind

Other structures coverage comes with some limitations and important things to keep in mind. Consider these points before deciding on other structures coverage in your homeowners insurance policy.

● If no other structures belong to the homeowners that are parts of their current insurance premiums
● Addition of limitations to the insurance policy coverage on other structures connected or around the residential dwellings
● You have the option of either total removal or additional charges to the homeowners insurance premium for unused and unneeded structures constructed

Speak to one of our top agents today for a free quote or visit us online to learn more.

KBG Insurance & Financial
601 W 1st Avenue Suite 1400
Spokane, WA 99201
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