Other Structures Coverage – Protecting More Than Just Your Home
Title:
Other Structures Coverage: Why Your Fence, Shed, and Detached Garage Need Protection
Intro:
When most people think about homeowners insurance, they picture protecting the house itself. But what about the detached garage, backyard shed, or fence that makes your property complete? That’s where Other Structures Coverage comes in. At Tony Castle Insurance Agency, we make sure you know exactly what’s covered—and what’s not—so there are no surprises.
What Is Other Structures Coverage?
Other Structures Coverage is a standard part of your Texas homeowners insurance policy. It protects detached structures on your property, such as:
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Detached garages
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Fences
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Storage sheds
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Gazebos and pergolas
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Driveways and walkways
If these structures are damaged by a covered peril (fire, windstorm, hail, etc.), your policy helps pay for repairs or replacement.
How Much Coverage Do You Have?
Typically, your Other Structures Coverage is 10% of your Dwelling Coverage.
Example:
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If your home is insured for $300,000, your other structures limit is usually $30,000.
If you’ve added a large detached garage, an outdoor kitchen, or an expensive fence, this standard limit might not be enough.
What’s Covered (and What’s Not)?
Covered:
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Wind and hail damage to your fence
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Fire damage to a detached garage
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Storm damage to a gazebo
Not Covered:
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Wear and tear
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Poor maintenance
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Flood or earthquake (requires separate policy)
Real-World Example
A Texas windstorm knocks down your backyard fence and damages your storage shed. The repairs cost $8,000. Without Other Structures Coverage, you’d pay out of pocket. With the right coverage, your insurance handles it.
When Should You Increase Coverage?
If you’ve made property improvements—like building a detached garage or installing a privacy fence—your coverage may no longer match your needs. A quick policy review can save you thousands.
Final Thoughts
Your home is more than four walls, and your homeowners insurance in Texas should reflect that.
Want to make sure your entire property is protected?
Reach out to Tony Castle Insurance Agency – Your Not So Common Insurance Agent today for a free coverage review.
👉 Visit mytexascoverage.com or give us a call. Let’s make sure your coverage matches your lifestyle.