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Ask an Agent: What is Other Structures Coverage?

Published: July 2016

Other structures coverage is part of most homeowners insurance policies. It may help cover the cost of repairing or replacing certain structures on your property that aren't attached to your home, such as fences or sheds, if they're damaged or destroyed by certain risks, such as fire or wind.

In the video below, Allstate agency owner Carly Hiteman recalls a customer whose fence was damaged in a storm, and how other structures coverage helped pay for the repairs.

Video Transcript

(Voiceover): I'm Carly Hiteman, and I'm an Allstate agency owner in Naperville, Illinois. I'm going to talk about other structures coverage.

Other structures coverage is part of most homeowners policies. It helps pay to repair or replace structures on your property that aren't attached to your home -- like a fence or detached garage -- if they're ever damaged by a covered peril.

One Saturday, we had a major storm roll through our town.

The winds were really strong. There was one customer who had a 6-foot wooden privacy fence along the back of his property. When the storm came in, the wind completely flattened three panels of the fence.

There was a busy road directly behind his house. With the fence down, he was very concerned about the safety of his kids and dog in the backyard.

He came in on Monday morning, and I helped him open a claim.

We were able to help him find a local fence repair service. Someone came out the next day. The fence posts needed to be removed, reset with new concrete, and replaced, so there was some work to do. In all, the bill added up to $2,100. Fortunately, the customer had enough other structures coverage on his homeowners policy to help cover the cost of repairing the fence. He only had to pay his $500 deductible.

When people think about homeowners insurance, they usually think about protecting their house. But coverage is usually there for fences or detached garages – those other structures on your property that can be expensive if you have to pay out of pocket to repair or replace them.

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Coverage subject to terms, conditions, and availability. Policy issuance is subject to qualifications. Allstate Insurance Company, Allstate Indemnity Company, Allstate Fire and Casualty Insurance Company, Allstate Property and Casualty Insurance Company, Northbrook, IL. © 2016 Allstate Insurance Company, Northbrook, IL.

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