Other Structures that are protected by a standard home insurance policy are detached garages and other detached buildings on your property. The typical coverage for other structures is 10% of your dwelling coverage-although higher amounts may be purchased if necessary.
‘Other Structures’ Coverage (Coverage B) is the portion of your home insurance policy that covers the cost of rebuilding/repairing the additional structures on your property other than your home. This includes detached garages, sheds, and other detached buildings on your property that may be damaged by a covered peril.
Typically, a standard home insurance policy will provide 10% of the total dwelling coverage as coverage for additional structures. For example, if you have $100,000 worth of coverage for the structure of your home, your policy would include $10,000 of coverage for other structures.
If you think you may need additional coverage above and beyond the standard 10%, talk to a home insurance agent about scheduling an endorsement on your policy.