Have you ever wondered what Coverage B: Other Structures Coverage is on your homeowners insurance policy? With most companies, this coverage is automatically included on your policy for 10% of your Dwelling Coverage amount. For example: Your Coverage A: Dwelling (House) is covered for $200,000 so the Other Structures would be included at $20,000.
So, what are "Other Structures"? Other Structures are any detached structures on your property such as:
- Detached Garages
- Pole Building
Most companies will offer an endorsement where you can increase your Other Structures Coverage, in the event you need more than the provided 10% of Dwelling Coverage. You will want to let your insurance agent know the approximate cost to rebuild these structures so that they can add additional coverage.
The same perils and deductible will apply to your detached structures as your home coverage. Please be sure to review your homeowners insurance policy carefully.
We want to remind you that Briggs Agency, Inc. represents A-rated insurance carriers to cover your home and others structures! Please call us today at (219) 769-4840 to discuss further.
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