Appurtenant Structures Insurance refers to a type of insurance coverage that is specifically designed to protect additional structures or buildings on a property that are not considered the primary dwelling. These additional structures are commonly referred to as appurtenant structures or outbuildings, and may include garages, sheds, barns, gazebos, or any other freestanding structure on the insured premises.
This insurance coverage is typically an extension of a homeowner's insurance policy and provides protection against potential risks and perils that may cause damage to these appurtenant structures. It provides financial compensation for structural damage, repairs, or replacement costs in the event of a covered loss, such as fire, theft, vandalism, or natural disasters.
Appurtenant Structures Insurance usually covers the structures themselves, including their foundations, roofs, walls, and any attached or detached fixtures, such as plumbing, heating, or electrical systems. It may also offer coverage for personal property stored within these structures, such as tools or equipment.
The coverage limits and premiums for Appurtenant Structures Insurance may vary depending on the value of the structures, their construction materials, location, and the level of coverage desired by the policyholder. It is important for property owners to carefully evaluate their insurance needs and ensure that their policy adequately protects their appurtenant structures against potential risks and liabilities.
