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Your home insurance policy can encompass coverage for your garage, shed, fence, and other structures on your property. To use these benefits effectively, we recommend familiarizing yourself with this ‘other structures’ coverage and understanding how it offers protection to homeowners.
Other Structures Coverage
‘Other structures’ coverage is an insurance add-on that can be integrated into an existing home insurance policy. Alternatively, it can also be included while drafting a new home insurance policy. This coverage pertains to any structure erected on your property, providing the same level of protection as granted by a standard home insurance policy.
Repairs and Replacements
An ‘other structures’ insurance add-on covers the cost of repair or replacement in case a structure incurs damage. For instance, if inclement weather damages your property’s fence, this coverage from your home insurance policy will reimburse the costs incurred in its repair or replacement. The insurance covers both: damaged materials that can be repaired and those irreparably destroyed. The coverage will bear the cost of new materials required to fix the fence.
Assessment
Before purchasing the ‘other structures’ coverage, it’s recommended you thoroughly assess the structures on your property. Determine their condition and value, whether fencing, sheds, or other additional structures.
Contact Kerndt Brothers Insurance Agency
Contact us at the Kerndt Brothers Insurance Agency. Serving the Lansing, IA region, our agents are here to guide you through the details of ‘other structures’ coverage. They can answer any queries you may have and offer advice to ensure that your insurance coverage is sufficiently robust for your property.
