What is Other Structures Coverage on a Homeowners Policy?

If you’re like most people, your home is one of your most valuable assets. That’s why you probably have homeowners insurance to protect it from unexpected events, like fire, theft, and natural disasters. But have you ever heard of other structures coverage? If not, don’t worry – we’re here to break it down for you in a reassuring tone.

Other structures coverage is a standard part of most homeowners insurance policies. It’s designed to protect structures on your property that are not attached to your main dwelling, such as a detached garage, shed, or fence. This coverage can help you repair or rebuild these structures if they’re damaged or destroyed by a covered event, like a windstorm or fire.

In Baldwin County, Alabama, other structures coverage can be especially important because of the risk of severe weather, like hurricanes and tornadoes. These types of storms can cause significant damage to detached structures on your property, leaving you with costly repairs or replacement expenses.

So, how much other structures coverage do you need? The amount of coverage you should have depends on the value of the structures you’re insuring.

It’s important to note that other structures coverage is separate from personal property coverage, which covers the contents of your home, like furniture and electronics. If you have valuable items in your detached structures, like expensive lawn equipment or tools, you may want to consider additional coverage to protect them.

If you’re unsure about your current coverage or have questions about other structures coverage, don’t hesitate to reach out to an agent with First Baldwin Insurance. We can help you review your policy and make sure you have the right amount of coverage for your property and belongings.

In conclusion, other structures coverage is an important part of homeowners insurance that can help protect the structures on your property that are not attached to your main dwelling. With the risk of severe weather in Baldwin County, Alabama, it’s important to make sure you have adequate coverage to repair or replace these structures if they’re damaged or destroyed. As always, don’t hesitate to ask your First Baldwin Insurance agent any questions you may have to ensure you have the right coverage for your needs.