Limits and exclusions vary. Structures used for business may be limited or excluded. Confirm how your form treats carports, pool houses, and barns.
Other Structures
- What it means
- Coverage for structures on your property that aren't attached to the dwelling — sheds, detached garages, fences, and similar.
- Tennessee example
- A windstorm drops a tree on a detached garage in East Nashville; other-structures coverage is the bucket that may apply, separate from the main dwelling limit.
- Why it hits your wallet
- People forget the shed and fence have their own limit — often a percentage of dwelling — until something hits them.