In a dwelling policy, what are the other structures that are covered

A dwelling policy, also known as a homeowners policy, is an insurance policy that provides coverage for your home and personal property. One important aspect of a dwelling policy is coverage for "other structures," which refers to detached structures on your property that are not attached to your home. These other structures may include:

• Detached garages: This refers to garages that are not physically attached to the main dwelling.
• Sheds: A small structure used for storage or as a workshop, often located in the backyard.
• Fences: The policy may provide coverage for fences that are damaged due to a covered peril.
• Guesthouses or cottages: These are separate living units that are not the primary dwelling on the property.
• Barns and stables: This refers to structures used for agricultural purposes, such as storing farm equipment or housing livestock.
• Greenhouses: A structure used for growing plants, typically made of glass or other transparent material.

Other structures coverage can also include coverage for other types of detached structures such as barns, tool sheds, and swimming pools, as long as they are not attached to the dwelling. Some policies may have exclusions or limitations on certain types of structures, so it's important to read your policy carefully to understand what is covered and what is not. In addition to providing coverage for other structures, a dwelling policy can also provide coverage for personal property, liability, and additional living expenses. Personal property coverage can help replace or repair personal belongings that are damaged or destroyed by a covered peril such as fire, theft, or windstorm. Liability coverage can protect you if you are found liable for injuries or property damage that occur on your property, while additional living expenses coverage can help pay for temporary living expenses if your home is uninhabitable due to a covered loss. In summary, other structures coverage is an essential part of a dwelling policy that provides protection for detached structures on your property. The coverage limit for other structures is typically a percentage of the total dwelling coverage limit, and it covers structures such as garages, sheds, fences, and other detached structures that are not attached to the home. It's important to read your policy carefully to understand what is covered and what is not, and to consider any additional coverage you may need to protect your property and assets. Read more: Best Business Insurance for Greenhouses