{"id":144,"date":"2023-08-29T04:00:00","date_gmt":"2023-08-29T10:00:00","guid":{"rendered":"https:\/\/www.comcoinsurance.com\/blog\/?p=144"},"modified":"2023-08-29T10:42:16","modified_gmt":"2023-08-29T16:42:16","slug":"are-other-structures-on-my-property-covered-my-under-homeowners-policy","status":"publish","type":"post","link":"https:\/\/www.comcoinsurance.com\/blog\/are-other-structures-on-my-property-covered-my-under-homeowners-policy\/","title":{"rendered":"Are Other Structures on My Property Covered My Under Homeowners Policy?"},"content":{"rendered":"<p>Do you have a she-shed, separated garage or a distinct storage structure on your Mount Prospect, IL property? If so, it&#8217;s not unusual to wonder whether your basic structures are covered under homeowners insurance. There is an addendum called &quot;other structure coverage that pays for repairs or replacement in certain situations. Structures damaged by a covered risk may be covered to help pay for repairs or replacement. Here are some considerations concerning structure coverage.<\/p>\n<h2><strong>What Is Considered An Outdoor Structure?<\/strong><\/h2>\n<p>When the winds kick up or a storm rolls through, your home itself is a primary concern. However, these weather conditions or other acts of nature can also damage outdoor implements such as:<\/p>\n<ul>\n<li>Detached Garages<\/li>\n<li>Fences<\/li>\n<li>Gazebos &amp; Pergolas<\/li>\n<li>Fences<\/li>\n<li>In-Ground Swimming Pools<\/li>\n<\/ul>\n<p>If covered, these structures will fall under the &quot;other structures&quot; addendum in your policy, along with the same perils as your home. Ensure your policy covers theft, falling objects, fire, and vandalism.<\/p>\n<h2><strong>How Much Does My Policy Cover for Other Structures<\/strong><\/h2>\n<p>Other structure coverage is often based on a percentage of the coverage on the dwelling. For example, if you have $400,000 in home insurance coverage, other structures not attached to the home reimbursements are approximately $40,000. This is why it&#8217;s essential to review and update with Com-Co Insurance Agency Inc. before making high-dollar additions. You&#8217;ll appreciate having this coverage in place should there be a loss.<\/p>\n<h2><strong>Looking for Homeowners Insurance in Mount Prospect, IL?<\/strong><\/h2>\n<p>We make ensuring that you have adequate coverage easy, and it all starts with a great real estate broker. Whether buying or selling, view the overall cost\/savings, and our Com-Co Insurance Agency Inc. agents will ensure your investments are adequately insured for your peace of mind. Contact us today!<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Do you have a she-shed, separated garage or a distinct storage structure on your Mount Prospect, IL property? If so, it&#8217;s not unusual to wonder whether your basic structures are covered under homeowners insurance. There is an addendum called &quot;other structure coverage that pays for repairs or replacement in certain situations. Structures damaged by a [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3],"tags":[6,5],"class_list":["post-144","post","type-post","status-publish","format-standard","hentry","category-home-insurance","tag-com-co-insurance-agency-inc","tag-mount-prospect-il"],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/www.comcoinsurance.com\/blog\/wp-json\/wp\/v2\/posts\/144","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.comcoinsurance.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.comcoinsurance.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.comcoinsurance.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.comcoinsurance.com\/blog\/wp-json\/wp\/v2\/comments?post=144"}],"version-history":[{"count":1,"href":"https:\/\/www.comcoinsurance.com\/blog\/wp-json\/wp\/v2\/posts\/144\/revisions"}],"predecessor-version":[{"id":145,"href":"https:\/\/www.comcoinsurance.com\/blog\/wp-json\/wp\/v2\/posts\/144\/revisions\/145"}],"wp:attachment":[{"href":"https:\/\/www.comcoinsurance.com\/blog\/wp-json\/wp\/v2\/media?parent=144"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.comcoinsurance.com\/blog\/wp-json\/wp\/v2\/categories?post=144"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.comcoinsurance.com\/blog\/wp-json\/wp\/v2\/tags?post=144"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}