What does "Other Structures" coverage encompass in a Homeowners Policy?

"Other Structures" coverage in a Homeowners Policy is designed to protect structures that are not attached to the primary dwelling. This typically includes items such as detached garages, sheds, fences, and other buildings that are located on the insured property.

The rationale behind this coverage is to provide homeowners with financial protection for additional structures that may be valuable or essential to the property but are physically separate from the main residence. This is important for homeowners as these structures may also sustain damage from covered perils like fire, theft, or vandalism, similar to the primary dwelling.

The focus on non-attached structures is what distinguishes this coverage from other parts of the homeowners policy that may address attachments to the dwelling. Hence, this understanding of "Other Structures" coverage is vital for homeowners to ensure they have adequate protection for all aspects of their property.