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Other Structures

Other structures coverage pays for detached buildings on your property, such as a garage, fence, shed, or gazebo. It is typically set at around ten percent of your dwelling coverage limit.

Covers detached structures: detached garage, fence, shed, gazebo. Usually around ten percent of the dwelling limit. Example: a tornado destroys your detached workshop and 200 feet of wood fence. The $40,000 combined replacement comes out of the other-structures bucket, not dwelling.