Other Structure Insurance Coverage – What Does It Cover?

The Covid spreading around the country and more and more people forced to work from home and kids participating in online classes at home; many people are reconfiguring or  
expanding their existing living space or retrofitting space they already have to provide better and more spaces for family members to spread out. 

Another option is to build a separate structure on your existing lot to provide:

• Home Office Space
• Housing for a Senior Family member
• Additional Storage
• Small School Classroom

Building Codes

Make sure to check your local building codes because remodeling or adding structures to your property may exist and you’ll want to make sure these codes are followed during construction

Homeowners Insurance

Structures that are attached to your land, but not your house will be covered under ‘other structure’ or ‘separate structures’ on your homeowners policy. Make sure to consult with 
your agent if you are building additional structures on your lot.
If you are remodeling, also make sure to consult your agent as you might need to increase the amount of insurance you need to reconstruct your home, especially if you  are upgrading or adding to your existing home.

Other Structures / Separate Structures

Below is a list of structures that are also covered under your ‘other’ or ‘separate’ structures coverage.

• Fences
• Barns
• Sheds
• Detached Garages
• Swimming Pools
• Inground play equipment

Denver West Insurance Brokers is located in downtown Golden, Colorado. We have clients all over the state and serve the communities of Denver, Lakewood, Littleton, Morrison, Arvada, Wheat Ridge, Evergreen, Westminster.

Give us a call at 303-960-5290 and speak to one of our licensed agents about your insurance needs.

Note: Data and information provided on this site is for informational purposes only and should not be considered professional advice. Denver West Insurance Brokers makes no representations as to accuracy, or validity of any information on this site and will not be liable for any errors, omissions, losses, injuries, or damages arising from its display or use.