Call Us 925-687-6262 ☰ ˟
Logo
Call Us 925-687-6262
  • Home
  • Insurance Companies Contact Information
  • Blog
  • Resources
    • Refer a Friend
    • Insurance Glossary
  • About Us
    • About Brick Insurance Agency
    • Location Map
    • Employee Directory
    • Customer Testimonials
    • Privacy Policy
  • Contact
    • Contact Us
    • Join Our Newsletter
Auto and Home Icon

Earthquake

We browse through a wide variety of coverages and find the right one for you.

Learn More
Business Icon

Home

We browse through a wide variety of coverages and find the right one for you.

Learn More
Life and Health Icon

Auto

We browse through a wide variety of coverages and find the right one for you.

Learn More
RV and Boat Icon

Business

We browse through a wide variety of coverages and find the right one for you.

Learn More
Annuities Icon

Landlords

We browse through a wide variety of coverages and find the right one for you.

Learn More
Home > Blog > Home Insurance and Other Structures
TUESDAY, MAY 10, 2022

Home Insurance and Other Structures

If you look around your neighborhood, you might see sheds, gazebos, swimming pools and fences. Have you ever wondered if those structures are included in your home insurance policy?a large lawn in front of a house

The answer depends on your policy. These are considered other structures, which are structures on the residence separated from your house by a clear space or connected to your house by a fence, utility line or related connection.

Some insurance companies cover other structures with a coverage cap of 10 percent of the home’s value. That means if your house is worth $200,000, then your coverage for all the combined other structures is $20,000.

However, some insurance providers are letting owners opt out of combined structures coverage because they don't have them on their property.

What does that mean?

1.      If your garage is detached, then it is considered an other structure. If your detached garage is worth more than 10 percent of your home’s value, then you should talk with your insurance agent and add additional coverage. 

2.      If you have a swimming pool, gazebo or shed, then those are considered other structures. While most gazebos or sheds will not be more than 10 percent of the value of your home, what about your swimming pool? 

3.      If you have a fence, deck or patio, those are considered other structures. These structures are rarely worth more than 10 percent of the value of your home and so there is no need to increase coverage.

4.      If you don't have any other structures on your property, then have a conversation with your independent insurance agent and be sure you aren't paying extra for coverage you don't need.

Bottom line: Know what is covered on your property and for how much. Someday it will be important for you to be familiar with the ins and outs of your coverage.

Get the coverage you need. Call Brick Insurance Agency at 925-687-6262 for more information on Concord home insurance.

Posted 11:37 AM

Tags: home insurance
Share |


No Comments


Post a Comment
Required
Required (Not Displayed)
Required


All comments are moderated and stripped of HTML.

NOTICE: This blog and website are made available by the publisher for educational and informational purposes only. It is not be used as a substitute for competent insurance, legal, or tax advice from a licensed professional in your state. By using this blog site you understand that there is no broker client relationship between you and the blog and website publisher.
Blog Archive
  • 2023
  • 2022
  • 2021
  • 2020

  • insurance(9)
  • coverage(7)
  • policy(6)
  • homeowners insurance(5)
  • earthquake insurance(4)
  • homeowners(4)
  • business(4)
  • auto insurance(3)
  • bop(3)
  • home insurance(3)
  • business insurance(3)
  • owners(2)
  • car(2)
  • auto(2)
  • accident(1)
  • property(1)
  • profile(1)
  • value(1)
  • commercial(1)
  • business owners policy(1)
  • risk(1)
  • high(1)
  • errors and omissions(1)
  • earthquake(1)
  • personal umbrella liability insurance?(1)
  • commercial insurance(1)
  • driver(1)
  • rental(1)
  • home(1)

View Mobile Version

Contact Us Today!
925-687-6262

Social Social

Resources

  • Products
  • Customer Service
  • Insurance Companies' Contact Information
  • News
  • About Us
  • Refer A Friend
  • Our Carriers
  • Blog
  • Contact Us

Contact Us

1460 Washington Blvd., Suite 213

Concord, Ca 94521

Phone: 925-687-6262
© Copyright. All rights reserved. | Powered by Insurance Website Builder