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CONNECT, powered by American Family Insurance, has changed its name to American Family Insurance. No action is needed by you. Please see our FAQ for quick answers to common questions.
What is other structures coverage?
Other structures insurance, also known as detached structures insurance, typically covers any structures that are located on your home's premises - but that are not necessarily attached to your home - in the event of a covered loss.
What does other structures insurance cover?
Other structures insurance may cover the following:
- Garages
- Sheds
- Barns
- Fences
- Driveways
- Retaining walls
- Swimming pools
- Gazebos
- Additional structures that are not part of the house
Always review your other structures coverage limits after you've made improvements or additions to the structures on your property (like adding fencing or building a small shed).
How much other structures coverage do I need?
Homeowners insurance policies provide limited coverage for these "other structures," typically 10 percent of the other structures coverage amount, but this could vary by state. If you'd like to purchase additional coverage for detached structures on your property (beyond what's provided in your policy), let us know. Additional coverage may be available in some states.
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American Family Insurance is our brand name. Auto policies are underwritten by American Family Connect Property and Casualty Insurance Company, American Family Connect Insurance Company, or Midvale Indemnity Company, Madison, WI. Property policies are underwritten by Homesite Indemnity Company, Homesite Insurance Company, Homesite Insurance Company of California, Homesite Insurance Company of Florida, Homesite Insurance Company of Georgia, Homesite Insurance Company of Illinois, Homesite Insurance Company of New York, Homesite Insurance Company of the Midwest or Homesite Lloyd's of Texas, Boston, MA. American Family Connect Insurance Agency, Inc., places policies with related and unrelated companies. In Texas, certain property coverages may be underwritten by Ranchers & Farmers Mutual Insurance Company. Each company has sole financial responsibility for its products. Products, pricing, discounts, benefits, and availability vary by state and may be subject to change. Exclusions apply.
Costco Insurance Agency, Inc. is not licensed in New York state. Insurance products are not obtained through the Costco Insurance Agency, Inc. in New York. Costco Wholesale, Costco Insurance Agency, Inc. and its subsidiaries do not underwrite insurance, pay claims or guarantee any of the products or services. Costco Insurance Agency, Inc. (CIA), a licensed insurance agent, may receive compensation.
This article is for informational purposes only and based on information that is widely available. We do not make any guarantees or promise any results based on this information. We are not responsible for the content of any third-party sites that may be linked in this article. This article does not afford, offer, or guarantee any coverage.
Costco Insurance Agency, Inc. is not licensed in New York state. Insurance products are not obtained through the Costco Insurance Agency, Inc. in New York. Costco Wholesale, Costco Insurance Agency, Inc. and its subsidiaries do not underwrite insurance, pay claims or guarantee any of the products or services. Costco Insurance Agency, Inc. (CIA), a licensed insurance agent, may receive compensation.
This article is for informational purposes only and based on information that is widely available. We do not make any guarantees or promise any results based on this information. We are not responsible for the content of any third-party sites that may be linked in this article. This article does not afford, offer, or guarantee any coverage.