Other Structure

Coverage B provides protection for buildings on your property that are not physically attached to your main dwelling. This includes detached garages, tool sheds, fences, gazebos, and even swimming pools. In a HO-3 policy, the limit for Other Structures is typically set at 10% of your Dwelling Coverage. If you have high-value detached structures, such as a modern ‘ADU’ or guest house, you may need to increase this limit via an endorsement to ensure you are fully protected.