Which types of structures are considered 'Other Structures' under the Homeowner's policy?

The term 'Other Structures' in the context of a Homeowner's policy specifically refers to structures on the premises that are not attached to the main dwelling. This definition typically includes items such as detached garages, sheds, fences, and guest houses. These structures are usually covered under a specific section of a standard homeowner's policy, which provides coverage for risks like fire, wind, or vandalism.

Structures that are attached to the dwelling do not qualify as 'Other Structures' because they are considered part of the main residential building and are covered under the primary dwelling coverage. Structures located off the premises are also not eligible under the 'Other Structures' category, as they fall outside the scope of the homeowner's policy pertaining to the insured location. Lastly, the status of structures that are destroyed in a disaster is irrelevant to their classification as 'Other Structures'; it would be more about what coverage applies to those structures in such instances.

Thus, the definition of 'Other Structures' is specifically about independent structures on the same property that are not physically connected to the dwelling itself.