Other Structures Coverage
Insurance protection for structures on your property that are not attached to your home, such as detached garages, sheds, or fences.
Detailed Explanation
Also known as Coverage B, this typically equals about 10% of your dwelling coverage amount and protects against the same perils. If you have valuable detached structures, you may need to increase this standard percentage.
Practical Example
When a severe storm damaged Mark's detached two-car garage and garden shed, his other structures coverage paid for the repairs to both buildings, minus his policy deductible.
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