Your homeowners insurance policy provides crucial protection for your home and belongings. While Coverage A (Dwelling) and Coverage B (Other Structures) often get the most attention, Coverage G, also known as Other Structures Coverage, is an important component that safeguards structures on your property separate from your main house.
Coverage G generally covers structures that are not attached to your dwelling and are not used for business purposes. Think of it as a safety net for the extras that make your property unique.
Here’s a breakdown of what Coverage G typically includes:
- Detached Garages: Separate garages not connected to your home are usually covered.
- Sheds: Storage sheds, garden sheds, and workshops fall under this coverage.
- Fences: Fences surrounding your property are often included.
- Gazebos and Pergolas: These outdoor structures can be covered.
- Detached Guest Houses (if not used as a rental): Small, detached guest houses primarily used for personal guests may be covered.
- Swimming Pools (Above Ground): Above-ground swimming pools are frequently covered, though in-ground pools are usually considered part of the dwelling.
- Driveways and Walkways: Portions of driveways and walkways on your property might be covered.
Important Considerations:
- Coverage Limits: Coverage G is typically a percentage (often 10%) of your Coverage A (Dwelling) limit. For example, if your dwelling coverage is $300,000, your other structures coverage would likely be $30,000.
- Exclusions: Like all insurance coverages, Coverage G has exclusions. Common exclusions include damage from neglect, earth movement (earthquakes), and certain types of water damage. Business use of the structure usually voids coverage.
- Review Your Policy: It’s crucial to review your specific homeowners insurance policy to understand the exact terms, conditions, and exclusions related to Coverage G.
Understanding Coverage G helps ensure you have adequate protection for all the structures on your property. Contact your insurance agent to discuss your specific needs and ensure you have the right coverage in place.
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