Call Us:  New Mexico  | Texas ☰ ˟
Logo
Español
Call Us:  New Mexico:  505-247-0444   |  Texas:  281-848-2009
  • Main Menu
    • Home Page
    • Make a Payment
    • Refer a Friend
    • Join Our Newsletter
    • Important Links
    • Insurance Glossary
    • View our Blog
    • Our Locations
    • Employee Directory
    • Contact Us
    • About Us
    • Privacy Policy
    • Life
  • Careers
  • Automobile
    • Automobile Insurance Home
    • Auto Insurance Quote
    • Auto Repair Insurance
    • Request ID Card for Auto Policy
  • Homeowners
    • Homeowners Insurance Home
    • Homeowners Insurance Quote
    • Manufactured Home Quote
    • Property Loss Claim Form
    • Request Evidence of Insurance
    • Flood Insurance
  • Business & Commercial
    • Business & Commercial Insurance Home
    • Commercial Auto Insurance Quote
    • Commercial Auto Insurance
    • Request ID Card for Commercial Auto Policy
    • Add Vehicle to Existing Commercial Auto Policy
    • General Liability Quote Form
    • Request General Liability Certificate of Insurance
    • Gym and Fitness Center
    • Business Owners (BOP)Image of right arrow
      • Business Owners (BOP) Quote Form
    • Builders Risk
    • Workers CompensationImage of right arrow
      • Workers Compensation Quote
  • Bonds
    • Bonds Home
    • Bond Request Form
  • Farm
    • Farm Insurance Home
    • Farm Quote Request
Business Icon

Business

We browse through a wide variety of coverages and find the right one for you.

Learn More
Auto Icon

Auto

We browse through a wide variety of coverages and find the right one for you.

Learn More
Home Icon

Home

We browse through a wide variety of coverages and find the right one for you.

Learn More
Bonds Icon

Bonds

We browse through a wide variety of coverages and find the right one for you.

Learn More
EMployer Benefits Icon

Employer Benefits

We browse through a wide variety of coverages and find the right one for you.

Learn More
Home > Blog > Home Insurance and Other Structures
MONDAY, JUNE 27, 2022

Home Insurance and Other Structures

If you look around your neighborhood, you might see sheds, gazebos, swimming pools and fences. Have you ever wondered if those structures are included in your home insurance policy? 

The answer depends on your policy. These are considered other structures, which are structures on the residence separated from your house by a clear space or connected to your house by a fence, utility line or related connection. 

Some insurance companies cover other structures with a coverage cap of 10 percent of the home’s value. That means if your house is worth $200,000, then your coverage for all the combined other structures is $20,000. 

However, some insurance providers are letting owners opt out of combined structures coverage because they don't have them on their property. a large lawn in front of a house

What does that mean? 

1. If your garage is detached, then it is considered an other structure. If your detached garage is worth more than 10 percent of your home’s value, then you should talk with your insurance agent and add additional coverage.  
 

2. If you have a swimming pool, gazebo or shed, then those are considered other structures. While most gazebos or sheds will not be more than 10 percent of the value of your home, what about your swimming pool?  
 

3. If you have a fence, deck or patio, those are considered other structures. These structures are rarely worth more than 10 percent of the value of your home and so there is no need to increase coverage. 
 

4. If you don't have any other structures on your property, then have a conversation with your independent insurance agent and be sure you aren't paying extra for coverage you don't need. 

Bottom line: Know what is covered on your property and for how much. Someday it will be important for you to be familiar with the ins and outs of your coverage. 

Get the coverage you need. Call Berger Briggs Insurance at 505-247-0444 for more information on home insurance. 
Posted 12:12 PM

Tags: homeowners, policy, coverage, insurance
Share |


No Comments


Post a Comment
Required
Required (Not Displayed)
Required


All comments are moderated and stripped of HTML.

NOTICE: This blog and website are made available by the publisher for educational and informational purposes only. It is not be used as a substitute for competent insurance, legal, or tax advice from a licensed professional in your state. By using this blog site you understand that there is no broker client relationship between you and the blog and website publisher.
Blog Archive
  • 2025
  • 2024
  • 2023
  • 2022
  • 2021
  • 2020

  • insurance(17)
  • coverage(13)
  • policy(10)
  • life(6)
  • home insurance(6)
  • business insurance(6)
  • auto insurance(5)
  • homeowners(5)
  • car(5)
  • auto(5)
  • accident(4)
  • whole(4)
  • terms(4)
  • retirement(4)
  • bonds(3)
  • general liability(3)
  • life insurance(2)
  • employee benefits(2)
  • bop insurance(2)
  • term(2)
  • homeowners insurance(2)
  • trucking insurance(2)
  • livestock(1)
  • business owner's policy(1)
  • property insurance(1)
  • health insurance(1)
  • manufactured home insurance(1)
  • flood insurance(1)
  • equipment(1)
  • premiums(1)
  • benefits bonds(1)
  • rates(1)
  • workers compensation insurance(1)
  • bop(1)
  • business(1)
  • manufactured home(1)
  • farm(1)
  • farm insurance(1)
  • cyber(1)
  • rv insurance(1)
  • commercial property insurance(1)
  • costs(1)
  • ranch(1)
  • theft(1)
  • car insurance(1)
  • theft insurance(1)
  • renters insurance(1)

View Mobile Version

Contact Us Today!
505-247-0444

Resources

icon icon logo logo, icon

  • Products
  • Customer Service
  • Payment Options
  • Report a Claim
  • News
  • About Us
  • Refer A Friend
  • Our Carriers
  • Blog
  • Contact Us

Contact Us

4333 Pan American Frwy Ne, Suite A
Albuquerque, NM 87107

P: 505-247-0444 | Fx: 505-243-1505 | kturpen@bbirs.com
Texas Operations | 24 Greenway Plaza, Suite 1800; Houston TX 77046
P: 281-848-2009 | kbrennan@bbirs.com
© Copyright. All rights reserved. | Powered by Insurance Website Builder