Alabama home insurance: What is other structures coverage?

You might be wondering what exactly you’re paying for when you give your money to your home insurance company. You know that in theory your Alabama home insurance is supposed to bail you out if you ever face a loss to your house, but what exactly will it do to protect you? Your home insurance protects your house and your belonging, of course, but that’s not all it does. It also covers other structures. What’s other structures coverage, you might ask? We’ll explain.

What is other structures coverage?

Other structures coverage (a.k.a. Coverage B) protects, well, other structures that are on your property. Basically, it will cover things that are on your property but aren’t connected to the house itself. Your insurance can protect you even if the thing that got destroyed or damaged isn’t a part of your physical home.

What’s covered by other structures coverage?

Your property might have a variety of things that could be considered “other structures” and therefore are covered under this section of your policy. For example, you might have:

  • A detached garage
  • A fence
  • A garden or tool shed
  • A driveway
  • A gazebo

These things could be covered by your other structures insurance.

How much coverage do I have for other structures?

You’ll have to take a look at your policy to find out exactly how much other structures coverage you have. Typically, the amount of other structures coverage you have is a percentage of the dwelling coverage you have on your home. (Usually it’s 10%, but again, you have to check your policy.) To give an example, if you had $250,000 of dwelling coverage for your house, you would have $25,000 of other structures coverage if your percentage was 10%. To find out what losses will be covered, you’d have to read your policy carefully. (Nasty surprises are no fun, especially when insurance is involved.)

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If you have some pricey other structures and need more insurance for them, you can ask about adding additional coverage to your policy. The limit of other structures coverage on your policy might not be enough, so it’s important to check and make sure you have enough coverage if you think you might need to raise your limit. From falling trees to fires to wind damage, you never know if a loss is coming your way.

How am I paying for my other structures coverage?

Well, here’s the thing about how home insurance works:

Your policy includes different sections and different coverages that are all designed to protect different things. These coverages are all rolled into your policy as a kind of package. By getting a home insurance policy and paying your premium, you’re paying for all of these coverages. Like a buffet, these coverages are included in the price.

A typical home insurance policy will include these sections:

  • Dwelling coverage: This can protect the structure of your house against covered losses.
  • Personal property: This can help you replace your belongings if they’re destroyed by a covered loss.
  • Loss of use: This can help you cover additional living expenses if you have to leave your home due to a covered loss and stay somewhere else, like a hotel. For example, if you have a fire and have to live in a hotel for a while. It can cover expenses like hotel bills and restaurant bills.
  • Other structures coverage: The topic that you’ve been reading about.
  • Liability coverage: This can help you if someone sues you for property damage or bodily injury.

It’s important to read your home insurance policy carefully to make sure that you know what is and isn’t covered. It might seem like a daunting prospect, and you might fear that it will be overwhelming. But it’s a good idea to be prepared and to know how your home insurance will protect you and what losses it will cover.

Anyways, what we mean to say is that your other structures coverage is probably rolled into your home insurance policy, so you’re already paying for it in your premium.

But what if you don’t really have other structures on your property? You might wonder if you can opt out or just remove other structures coverage. Well, you probably can’t just take it out since it’s already included in your policy. However, you can take a different strategy for saving money on Alabama home insurance by looking for discounts and taking advantage of any savings your insurance company will offer you.

So, that’s what you need to know about other structures coverage. It’s a section of your home insurance that protects detached structures that are on your property, like a fence, gazebo, tool shed, garden shed, or even a pool. It’s probably already included in the group of coverages that make up your home insurance policy. As always, it’s important to check your policy to make sure that you have the coverage you need to protect your house – and any extra structures that you might have on your property.

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