Other structures in home insurance refer to additional buildings that are located on the property but are separate from the main dwelling. This can include sheds, fences, guest houses, or even swimming pools.

When you purchase Home insurance, the coverage typically extends beyond just your main dwelling. It also includes protection for these other structures on your property like detached garage with covered patio. If any of these are damaged or destroyed by a covered event, such as a fire or a storm, your insurance policy may provide coverage to repair or rebuild them.

Coverage for other structures is usually a percentage of the total amount you have for your main dwelling. It is important to review your policy to understand the specific protection and limits. If you have valuable or expensive buildings, you may need to consider additional coverage to ensure they are adequately protected.