What Is Other Structures Coverage on a Landlord Insurance Policy?
- Vincent Fuccilli
- 6 hours ago
- 3 min read
What Is Other Structures Coverage on a Landlord Insurance Policy?
Many rental properties contain structures that are: separate from the main dwelling,
such as:
detached garages
fences
sheds
storage buildings
detached workshops
On landlord insurance policies, these structures are commonly covered under: Other Structures Coverage.
At Bergen Insurance Group, we help New Jersey landlords better understand how Other Structures coverage works and why detached structure protection may become important after a major property claim.
What Does Other Structures Coverage Protect?
Other Structures coverage may help protect detached structures on the rental property if damaged by a: covered cause of loss
such as:
fire
wind damage
falling trees
vandalism
certain storm-related losses
Coverage depends on:
policy wording
settlement methods
coverage limits
insurance company guidelines
Why Detached Structure Limits Matter
Many landlords focus primarily on: the main dwelling.
However, detached structures may also represent:
significant rebuilding costs
tenant storage exposure
property value
liability concerns
especially on:
multifamily properties
duplexes
larger rental properties
older New Jersey properties
This is one reason landlords should carefully review:
detached structure limits
replacement cost settlement methods
rebuilding exposure
before a loss occurs.
Why Independent Insurance Agencies Matter
define detached structures differently
apply different settlement methods
offer different endorsements
value detached structures differently
Independent insurance agencies can help landlords:
review detached structure coverage
evaluate rebuilding costs
understand policy limitations
identify potential coverage gaps
At Bergen Insurance Group, we help New Jersey landlords better understand their rental property insurance protection before claims happen.
FAQs
What is considered an other structure on landlord insurance?
Other structures commonly include detached garages, sheds, fences, detached storage buildings, and other structures separated from the primary rental dwelling.
Are detached garages covered under landlord insurance?
In many situations, yes. Detached garages are commonly covered under the Other Structures section of landlord insurance policies, subject to policy limits and terms.
Does Other Structures coverage include fences and sheds?
In many situations, yes. Fences and sheds may be covered if damaged by a covered cause of loss, subject to policy terms and limitations.
Do landlord policies cover detached sheds?
In many situations, yes. Detached sheds are commonly covered under the Other Structures section of landlord insurance policies if damaged by a covered cause of loss, subject to policy limits, exclusions, and settlement methods.
Are detached garages covered at Replacement Cost?
Possibly. Some landlord insurance policies may provide Replacement Cost settlement for detached garages, while others may apply depreciation or Actual Cash Value settlement methods depending on:
policy wording
endorsements
structure age
insurance company guidelines
Landlords should review settlement methods carefully before a claim occurs.
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Disclaimer
The information provided in this article is intended for general informational purposes only and should not be interpreted as insurance, legal, financial, or property management advice. Coverage availability, settlement methods, policy terms, exclusions, and underwriting guidelines vary by insurance company and individual situation. Please contact Bergen Insurance Group to review your specific rental property insurance needs and detached structure coverage options.
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