🛠️ Other Structures – Off Premises
What It Does:
This coverage extends protection to structures you own that are located away from your main residence — not just on your home’s property.
✅ What’s Covered
- Detached buildings you own at another location, such as:
- A garage, shed, or barn on a separate lot
- A boathouse at a lake property
- A storage unit or workshop you use off-site
It covers these structures for:
- Fire
- Theft
- Vandalism
- Storm damage
- And other perils normally covered under your policy
🚫 What’s Not Covered
- Business-related structures (unless specifically endorsed)
- Rental properties or commercial buildings
- Items stored inside (unless covered separately)
💡 Real-Life Example
You own a shed on a separate piece of land used to store tools. A windstorm damages it. This coverage helps pay for repairs — even though it’s not on your main home’s property.
💵 Coverage Availability:
- Included in both Plus and Select packages