Which of the following structures is typically covered under a standard Homeowners Policy?

A standard Homeowners Policy typically covers detached structures on a property, and this often includes detached garages. This coverage is vital because it protects structures that are not attached to the main dwelling but are still part of the residential property. Detached garages serve various purposes, such as housing vehicles, tools, and equipment, and they can be significant investments for homeowners.

While swimming pools may be considered part of the property, they usually fall under liability coverage or may require additional endorsements rather than being automatically covered as primary structures. Vehicles are generally excluded from homeowners policies since they are covered under auto insurance policies. Landscaping features, such as trees and shrubs, may have limited coverage for damages but would not protect the actual structure of the garage or other detached buildings. Therefore, the inclusion of detached garages under a standard Homeowners Policy represents essential coverage for protecting property investments related to the home.