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What does Auxiliary Private Structures mean?
I am looking at my homeowners policy and under Section 2 it says Auxiliary Private Structures. What on earth is that?
Shannon Martin · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“Most
homeowners insurance policies
have the same type of language, but every now and then, you will stumble across terms that aren’t as commonly used, such as this one. Auxiliary private structures is just another way of saying other structures. Other structures coverage pays for damage to other structures on your property that are not connected to the dwelling. This could mean a:
- fence
- shed
- detached garage
- greenhouse
- gazebo
- pool
Other structures coverage is also referred to as coverage D. It usually covers 10% of the limit to coverage A (the dwelling).
If you have made any additions or upgrades to your property, like adding an in-ground pool or gazebo, this is the coverage that you would want to increase to protect your investment.
If you’re looking to find ways to save on insurance or want to verify you have the best policy for you, use a smart comparison tool like
Jerry
. Jerry pulls rates from the top 45+ insurance companies in seconds to make insurance shopping easier for you.”View full answer
- Gregory R.
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