Other Structures Insurance: What It Is and How It Works

Homeowners often think their entire property is covered under their main home insurance policy, but detached structures—such as fences, pools, sheds, and garages—may require separate coverage. This is where other structures insurance comes into play.

What Does Other Structures Insurance Cover?

In a standard homeowner’s insurance policy, detached buildings and outdoor structures are classified as “other structures.” In Florida, most policies offer coverage equal to 10% of the home’s insured value.

For example, if your house is insured for $400,000, then your other structures coverage would be $40,000.

This insurance protects against:

✔ Fires
✔ Vandalism and theft
✔ Pipe bursts and electrical damage
✔ Vehicle crashes
✔ Falling trees
✔ Hurricanes, strong winds, and hail

Special Considerations for Pools

If your property has an in-ground pool, your other structures coverage might include it. However, some insurers consider pools a “high-risk attraction” and require safety fencing to provide coverage.

How to Verify or Improve Your Coverage?

If you’re unsure about your current policy or want to enhance your homeowner’s insurance coverage, speak with a specialist at Univista Insurance today.