Coverage B - Detached Structures Coverage
Your detached structure coverage provides for the replacement of structures not directly attached to your primary dwelling. This refers to sheds, garages, coach houses and guest houses. As a rule, this coverage is a percentage of Coverage A (10-20% is common). However, should you require more coverage for a detached structure, you MUST notify your agent.
It is also important to note that a detached structure rented for someone else's use is generally excluded from your Homeowner's policy. It is essential to get another policy for the specific, rented structure.
Do you have enough coverage for your detached garage or shed? Want to find out?
Informational statements regarding insurance coverage are for general description purposes only. These statements do not amend, modify or supplement any insurance policy. These statements are not legal advice. Consult the actual policy or your agent for details regarding terms, conditions, coverage, exclusions, products, services and programs which may be available to you. This website does not make any representations that coverage does or does not exist for any particular claim or loss, or type of claim or loss, under any policy. Whether coverage exists or does not exist for any particular claim or loss under any policy depends on the facts and circumstances involved in the claim or loss and all applicable policy wording
