{"id":2617,"date":"2026-01-12T17:00:00","date_gmt":"2026-01-12T17:00:00","guid":{"rendered":"https:\/\/www.southernharvestinsurance.com\/blog\/?p=2617"},"modified":"2026-01-12T21:49:59","modified_gmt":"2026-01-12T21:49:59","slug":"other-structures-coverage","status":"publish","type":"post","link":"https:\/\/www.southernharvestinsurance.com\/blog\/homeowners-insurance\/other-structures-coverage\/","title":{"rendered":"What Is\u00a0Other Structures\u00a0Coverage in Home Insurance?\u00a0"},"content":{"rendered":"
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Other Structures coverage in your\u00a0<\/span>homeowners insurance<\/span><\/a>\u00a0policy tells you what\u00a0else on\u00a0your property is covered, such as garages and outbuildings.\u00a0Most policies tell you\u00a0you\u2019ll\u00a0be covered if a kitchen fire destroys your appliances and causes smoke damage throughout your home. Or a Georgia tornado tears the roof from your house. Or a broken water pipe destroys everything kept in your basement.<\/span>\u00a0<\/span><\/p>\n

But what if your home is intact, but there is damage elsewhere on your property?\u00a0That\u2019s\u00a0where the other\u00a0structures\u00a0coverage from your Southern Harvest home policy goes into effect.<\/span>\u00a0<\/span><\/p>\n

What Is Other Structures Coverage?<\/span><\/b>\u00a0<\/span><\/h2>\n

Coverage B, or other\u00a0structures\u00a0coverage, is the benefit that recognizes that your property might well be more than merely your home. This element of a standard homeowners insurance policy also covers damage or loss to those structures and\u00a0special features\u00a0that are outside the walls of your main dwelling. This is\u00a0<\/span>what every homeowners insurance policy should include<\/span><\/a>.<\/span>\u00a0<\/span><\/p>\n

What Does Other Structures Coverage Include?<\/span><\/b>\u00a0<\/span><\/h2>\n

Do you have a fence line? How about a detached garage? Or a work shed? Storms, fires, and other unexpected events can cause considerable damage or loss to those elements of your property, too. A tree limb\u00a0topples to\u00a0crush a\u00a0portion\u00a0of your fence. Or a hurricane wipes out a tool shed.<\/span>\u00a0<\/span><\/p>\n

That\u2019s\u00a0why you can consider your other\u00a0structures\u00a0coverage to be a form of shed insurance, garage coverage, and fence protection \u2014 among other wallet protection benefits.<\/span>\u00a0<\/span><\/p>\n

The goal of your\u00a0homeowners\u00a0insurance policy is to offer total property protection \u2014 not just to your main dwelling. After all, there might well be more to your property than your house and\u00a0what\u2019s\u00a0between those four exterior walls.<\/span>\u00a0<\/span><\/p>\n

Other Structures Coverage Limit<\/span><\/b>\u00a0<\/span><\/h3>\n

If you operate a business in a structure that is separate from your home, it is not covered under a standard homeowners policy or other structures coverage. This can include a building you rent out, a workshop where you create products for sale, an artist\u2019s studio, or any other structure on your property used for income-generating activities.<\/p>\n

In these cases, you\u2019ll need to secure a separate, affordable business insurance policy.<\/p>\n

Damage caused by mold, pests, or damage inflicted over time and relating to a lack of maintenance is also not covered. It\u2019s worth noting that this element of your policy relates to the structures on your home site \u2014 not to the contents within them. (More on that later.)<\/span>\u00a0<\/span><\/p>\n

Such events as earthquakes and external flooding generally <\/span>can\u2019t be covered<\/span><\/a>\u00a0by any element of your\u00a0homeowners\u00a0insurance policy \u2014 including other structures coverage. If you live in a flood zone or a part of the country where earthquakes are more common \u2014 which does not include Georgia \u2014 you should obtain\u00a0additional\u00a0coverage to protect against the risk of those calamities occurring.<\/span>\u00a0<\/span><\/p>\n

Coverage vs. Contents<\/span><\/b>\u00a0<\/span><\/h3>\n

Your standard\u00a0homeowners\u00a0insurance\u00a0generally covers\u00a0your belongings wherever\u00a0they\u2019re\u00a0located. That includes possessions you hold in such locations as the trunk of your car or a self-storage unit in another part of the city.<\/span>\u00a0<\/span><\/p>\n

It also covers the contents of your detached garage or the tools in your tool shed. But not as part of your other\u00a0structures\u00a0coverage. This\u00a0component\u00a0of your policy only covers the structures, not the belongings you have inside those places.<\/span>\u00a0<\/span><\/p>\n

Here\u2019s\u00a0how that works. If a burglar tears the door\u00a0off of\u00a0your storage shed and then steals the lawnmower you keep there, your other structures coverage will pay for the broken door, and your standard\u00a0homeowners\u00a0policy would cover the stolen mower \u2014 depending on your deductible and coverage limits.<\/span>\u00a0<\/span><\/p>\n

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Covered Under Your Other Structures Benefit<\/span><\/b>\u00a0<\/span><\/h2>\n

As mentioned, your home is often more than merely the house in which you live. As a result, your other\u00a0structures\u00a0coverage includes many features of your property in addition to your main dwelling.<\/span>\u00a0<\/span><\/p>\n

This includes such outbuildings as a detached garage, guest house, barn, pool house, tool shed, and greenhouse.<\/span>\u00a0<\/span><\/p>\n

You\u2019re\u00a0also covered for such outdoor features as fences, gazebos, pergolas, pavilions, in-ground pools, sidewalks and walkways, mailboxes, decks, patios, light posts, and playground equipment.<\/span>\u00a0<\/span><\/p>\n

As you can see, this coverage is pretty comprehensive.\u00a0You might find that you easily have at least one \u2014 or more likely several \u2014 of the elements on this list. If you have one that seems to fit this list, but\u00a0isn\u2019t\u00a0included here, simply ask your homeowners insurance agent about it.<\/span>\u00a0<\/span><\/p>\n

How to Ensure You Have the Right Amount of Coverage<\/span><\/b>\u00a0<\/span><\/h2>\n

You have\u00a0a good idea\u00a0of the value of the structure if you\u00a0had\u00a0it installed yourself. If you\u00a0had\u00a0a garage built, or a storage shed set up, or a fence posted around your property, keep the estimates and receipts.<\/span>\u00a0<\/span><\/p>\n

You can also photograph all of your property features and discuss their value with your\u00a0homeowners\u00a0insurance agent. Or go online to see what such a unit sells for in similar age and condition. You and your agent, working together, should be able to estimate the total value of your surroundings for ultimate confidence that you have the property protection you need.<\/span>\u00a0<\/span><\/p>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n<\/div>\n\n\n

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Protect Every Corner of Your Property\u00a0with\u00a0the Right Home\u00a0Insurance\u00a0<\/h2>\n\n
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Your Southern Harvest\u00a0homeowners\u00a0insurance agent\u00a0won\u2019t\u00a0let you forget that your property protection must include more than your main dwelling.\u00a0Maybe much\u00a0more.\u00a0That\u2019s\u00a0what your other structures coverage is all about.<\/span>\u00a0<\/span><\/p>\n

As an independent broker, your Southern Harvest agent\u00a0doesn\u2019t\u00a0work just for one insurance company. Instead, your agent has contractual relationships with multiple carriers and brands.\u00a0That means they can shop for the most affordable home coverage with all of the benefits and features they need.<\/span>\u00a0<\/span><\/p>\n

Your Southern Harvest agent can also alert you to\u00a0<\/span>homeowners insurance discounts<\/span><\/a>\u00a0you might otherwise miss.<\/span>\u00a0<\/span><\/p>\n

Start the conversation by calling us at\u00a0<\/span>(877) 831-4677<\/span><\/a>. Discuss your other structures needs as well as other home insurance must-haves. You can also\u00a0<\/span>get a quick quote online<\/span><\/a>\u00a0or\u00a0drop in at\u00a0<\/span>a Southern Harvest Insurance office<\/span><\/a>\u00a0located\u00a0conveniently close to wherever you call home in Georgia.<\/span>\u00a0<\/span><\/p>\n

FAQs<\/span><\/b>\u00a0<\/span><\/h2>\n

What Does Other Structures Coverage Protect?<\/span><\/b>\u00a0<\/span><\/h3>\n

Your property is more than your house and everything within those four walls.\u00a0This element of your policy will financially protect any exterior structures, including detached garages, sheds, barns, gazebos, decks, fence damage, and a multitude of similar features on your property.<\/span>\u00a0<\/span><\/p>\n

Keep in mind that this benefit protects the structures themselves, not the contents within such outbuildings. For that, other features of your\u00a0homeowners\u00a0policy offer protection.<\/span>\u00a0<\/span><\/p>\n

Does Home Insurance Cover My Detached Garage?<\/span><\/b>\u00a0<\/span><\/h3>\n

Yes. Your other structures coverage offers protection against damage to the building itself, while other features of your policy cover the damage or loss of the contents within the garage or other outbuilding.<\/span>\u00a0<\/span><\/p>\n

How Much Coverage Do I Need for My Fence or Shed?<\/span><\/b>\u00a0<\/span><\/h3>\n

If you\u00a0had\u00a0either of those elements installed at your property, think about what you paid for them. Otherwise, consult your\u00a0homeowners\u00a0insurance agent for an estimate that will adequately protect your bottom line.<\/span>\u00a0<\/span><\/p>\n

Does Home Insurance Cover Damage to a Detached Workshop or Pool House?<\/span><\/b>\u00a0<\/span><\/h3>\n

Yes, the other structures coverage\u00a0portion\u00a0of your\u00a0homeowners\u00a0insurance policy\u00a0generally covers\u00a0such detached buildings. The only exception is if your workshop or other structure is being used to make money. If\u00a0that\u2019s\u00a0the case, consult your agent for a business insurance policy.<\/span>\u00a0<\/span><\/p>\n <\/div>\n