What Does Dwelling Coverage Cover Other Structures? A Complete Guide

Dwelling coverage is a part of your homeowners insurance policy that pays for the repair or replacement of your home if it is damaged by a covered peril, such as fire, wind, hail, or vandalism.

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But what about the other structures on your property that are not attached to your main residence, such as a fence, shed, detached garage, or swimming pool?

Are they also covered by dwelling coverage?

Other Structures Coverage Explained

The answer is no.

Dwelling coverage only applies to structures attached to your main residence, meaning that detached structures are typically not covered under dwelling coverage.

Instead, these structures may be covered by your homeowners insurance policy under other structures coverage.

Other structures coverage is the section of your homeowners insurance policy that pays for damage to structures on your property that are separate from your home.

This could include the following types of structures:

  • Fence
  • Detached garage
  • Shed
  • Gazebo
  • Guesthouse
  • Driveway
  • Dock

Other structures coverage may also cover a swimming pool, but it depends on your insurer and the type of pool.

Some companies include an in-ground pool under dwelling coverage instead of other structures, especially if it is attached to your home by a walkway or enclosure.

If you have a portable above-ground pool that you could take with you to another home, it might fall under personal property coverage.

Other structures coverage pays only for the damaged structures themselves — not for anything stored inside.

For example, if your shed catches fire and everything inside it is destroyed, including a bunch of tools and gardening supplies, other structures coverage would pay to rebuild the shed, but your personal property insurance would cover the items inside

How Much Other Structures Coverage Do You Need?

Other structures on your property are generally covered for up to 10 percent of the dwelling coverage amount listed on your homeowners insurance policy.

For example, if your home is insured for $300,000, other structures would be listed at $30,000 on your homeowners insurance policy.

However, this may not be enough to cover the full cost of repairing or replacing your other structures if they are damaged by a covered peril.

For instance, if your detached garage is worth $50,000 and it is destroyed by a tornado, you would have to pay the remaining $20,000 out of your own pocket.

To avoid this situation, you should review your other structures coverage limit and make sure it reflects the actual value of your other structures.

You can do this by estimating the replacement cost of each structure on your property and adding them up.

If the total amount exceeds your other structures coverage limit, you may want to increase it to match the value of your other structures.

You can also check with your insurer if they offer any endorsements or riders that can provide additional coverage for specific structures, such as a pool, a guesthouse, or a solar panel system.

These may come with an extra cost, but they can give you more peace of mind and protection for your property.

How to File a Claim for Other Structures Damage

If one or more of your other structures are damaged by a covered peril, you should follow these steps to file a claim with your insurer:

1.Contact your insurer as soon as possible and report the damage.

Provide them with details about the incident, such as the date, time, location, and cause of the damage.

2.Take photos and videos of the damage and document the extent and severity of the damage.

Make a list of the items that were damaged or destroyed inside the structure, if any.

3.Prevent further damage by securing the structure and making temporary repairs, if possible.

Keep the receipts for any expenses you incur for this purpose, as they may be reimbursed by your insurer.

4.Cooperate with your insurer and provide them with any information or documentation they request.

They may send an adjuster to inspect the damage and estimate the repair or replacement cost.

5.Review the settlement offer from your insurer and negotiate if you disagree with the amount or the terms.

Once you agree on the amount, sign the release form and receive your payment.

Conclusion

Dwelling coverage does not cover other structures on your property that are separate from your home.

To protect these structures, you need other structures coverage, which is a part of your homeowners insurance policy.

Other structures coverage can pay for damage to structures such as a fence, shed, detached garage, or swimming pool, depending on your insurer and the type of pool.

You should review your other structures coverage limit and make sure it reflects the value of your other structures.

If you need to file a claim for other structures damage, you should contact your insurer, document the damage, prevent further damage, cooperate with your insurer, and review the settlement offer.

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