Other Structures Coverage
Protect What Stands Outside Your Home Sweet Home
Other Structures Coverage
Discover the peace of mind that comes with knowing your entire property is protected with Other Structures Coverage. This specialized insurance is designed to cover secondary structures on your property, such as detached garages, fences, sheds, and gazebos. Whether it's a storm, theft, or another unforeseen event, Other Structures Coverage ensures that you have the protection you need beyond the walls of your main dwelling.
- Covers up to 10% of the dwelling coverage for other structures.
- Essential for properties with multiple outbuildings.
- Provides coverage for damage from severe weather conditions.
Homeowners insurance is a policy that safeguards your home against damages and liabilities. It provides financial protection for your property, personal belongings, and even liability claims, ensuring you can recover from unexpected events.
Who Needs This
Homeowners with additional structures on their property will find Other Structures Coverage particularly beneficial. This coverage is essential when these structures hold significant value or serve important functions, such as storage or additional living space.
- John, a suburban homeowner with a large backyard gazebo
- Protection from storm damage.
- Peace of mind for theft and vandalism.
- Emily, a rural homeowner with multiple storage sheds
- Protection from fire and weather damage.
- Coverage for expensive tools and equipment.
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Protect What Matters Most with Fort Collin's Insurance
At Fort Collins Insurance we're dedicated to providing you with the peace of mind that comes from knowing you're properly protected. We offer a comprehensive range of insurance options tailored to your specific needs and location.
Limits and Options
With Other Structures Coverage, policyholders typically receive coverage up to 10% of their primary dwelling's policy limit. For example, if your home is insured for $300,000, you could have up to $30,000 in coverage for other structures. There may be options to increase this limit for properties with substantial outbuildings. Deductibles will apply based on your main policy terms, and it's advised to review these limits to ensure they meet the specific needs of your property.
- Standard coverage up to 10% of dwelling limit.
- Optional increase for higher coverage needs.
- Deductibles applicable as per main home insurance policy.
Exclusions and Limitations
With Other Structures Coverage, policyholders typically receive coverage up to 10% of their primary dwelling's policy limit. For example, if your home is insured for $300,000, you could have up to $30,000 in coverage for other structures. There may be options to increase this limit for properties with substantial outbuildings. Deductibles will apply based on your main policy terms, and it's advised to review these limits to ensure they meet the specific needs of your property.
- Standard coverage up to 10% of dwelling limit.
- Optional increase for higher coverage needs.
- Deductibles applicable as per main home insurance policy.
Legal and Regulatory
Please note that all coverages are subject to policy limits and exclusions. This overview is for informational purposes only and does not replace your policy language. For complete details of coverage, conditions, limits, and exclusions, be sure to consult the actual policy documentation. Insurance products are governed by individual state regulations and may vary by location.
- Image of a serene backyard with a protective fence and detached garage.
- Image of a modern shed with gardening tools, illustrating structure utility.
- Image of a craftsman at work in a detached garage, emphasizing protection.