Other Structures Coverage

What Is Other Structures Coverage in Homeowners Insurance?

Other structures coverage is part of a homeowners insurance policy that helps protect other buildings and objects on your property. It’s also called “Coverage B.”
Author:
Lily DiGregorio
Lily DiGregorio,Staff copywriter
Lily DiGregorio
Staff copywriter specializing in auto and home insurance for The Hartford.
Updated: 10/09/2025
Read Time: 3 minutes
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Key Takeaways

  • In homeowners insurance, other structures coverage offers protection for other buildings or objects on your property in case of a covered event. So, if a tree falls on your shed during a storm, this coverage helps pay to repair or replace it.
  • Other structures coverage is typically limited to 10% of your dwelling coverage. For example, if your dwelling coverage is $250,000, your other structures limit would be $25,000.
  • The Hartford offers additional coverage options to extend your protection.

What Does Other Structures Coverage Cover?

Other structures coverage can help cover detached structures on your property, such as:
Detached garages
Fences
Sheds
Swimming pools
Guest houses
Gazebos
Barns
If other structures on your property get damaged, this insurance coverage can help pay to repair or replace them.
 

Does My Homeowners Insurance Policy Include Other Structures Coverage?

Many insurance companies offer other structures coverage as part of a standard homeowners insurance policy. It’s a good idea to look through your policy because there is a coverage limit. Typically, other structures coverage is limited to 10% of your dwelling coverage.
 

How Much Other Structures Insurance Coverage Do I Need?

There isn’t a one-size-fits-all answer for how much homeowners coverage you should have. The Hartford can help you get the right insurance protection for your unique needs.
From pools to fences, other structures on your property may be expensive to fix or replace. So, you’ll want to let your insurer know if you make any improvements. For instance, putting up additional structures on your property, like a detached garage, will likely increase the value. So, you may need to add an endorsement to increase your policy limit for homeowners insurance other structures coverage.
 
Customers often ask us, “How much homeowners insurance do I need?” At The Hartford, we can help you decide how much coverage to get for your home at 877-422-2345.
 

What Additional Coverages Do I Need?

In addition to other structures and dwelling coverage, your homeowners policy also includes personal property coverage and liability coverages. However, the more homeowners insurance coverage you choose, the more peace of mind you can enjoy.
 
Other types of insurance coverage to consider include:
 
  • Valuable items blanket coverage, which provides additional protection on certain valuables. For instance, if your insured jewelry gets stolen, this coverage can help pay to replace it.
  • Equipment breakdown coverage, which helps cover your repair or replacement costs if your appliances or electronics have a mechanical or electrical breakdown. It also provides coverage if you want to make “green” upgrades.
  • Other structures on the residence premises coverage, which offers extra protection when the value of your other structures exceeds the policy limit.
  • Structures rented to others residence premises coverage, which gives you additional protection for structures rented as a private resident.
homeowner protected by knowing what is other structures coverage

Get a Home Insurance Quote

The Hartford is here to help protect you, your family and your home. Our representatives are happy to make sure you get the coverage you need at a price that fits your budget. Get a home insurance quote today or call us at 877-422-2345.

Frequently Asked Questions About Other Structures Coverage

Yes, other structures coverage provides protection for swimming pools. So, if your pool gets damaged by falling objects in a windstorm, this coverage can help pay to fix it. Without other structures coverage, you’d have to pay those repair costs out of pocket. Keep in mind, you’ll need to tell your insurance company that you have a pool to receive coverage.
Other structures coverage does not apply to items you store inside sheds, detached garages and outbuildings. Instead, personal property insurance coverage would help protect those belongings.
Yes. If your fence or shed is vandalized, other structures coverage will help pay the cost to fix it.
Other structures coverage is a part of standard home insurance policies and typically is not removed. To learn more about your customizable coverage options, call The Hartford at 877-422-2345.

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