Home insurance can be confusing. Have you ever looked at your Canton home insurance policy and found some line items that you were unsure of? That’s actually very common. 

One of the other line items that we get questions on all the time is the Separate Structures coverage. What exactly qualifies as a separate structure on your Canton home insurance policy?

A separate structure on your home insurance is loosely defined as any structure on your property that does not share the roof-line with the main home. For example, a detached garage would be considered a separate structure. However, if the detached garage has a breezeway/covering that connects from the roof-line of the main home to your garage, then it would be covered under your dwelling or coverage A on your home insurance.

Other common separate structures include fencing, a shed, an above ground pool, a hot tub, a pool house, or a barn.
 
Do you have enough coverage to replace your separate structures?

For a standard Canton home insurance policy, the separate structures coverage is calculated at 10% of your dwelling coverage. For example, a home insurance policy with $400,000 of dwelling coverage will automatically have $40,000 for separate structure coverage. 

Of course, this can be modified to fit your needs. Sometimes those structures get pretty pricey and would cost a lot more to rebuild. Knowing the value of what the construction would cost to rebuild will help determine the right amount of coverage you'll need. 

One thing to note is that this coverage can be adjusted up and down but it can very rarely be eliminated all together. It is important to work with your Canton, Georgia insurance broker to make sure the coverage you have on your home insurance policy is enough to rebuild or replace everything on your property. 

We long to educate here at the Roberts Insurance Group while also keeping to our mission to provide great coverage you need at the best value.

As a local, independent insurance agency, we can do that.

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